Sometimes we’re unable to provide you with the limit you requested based on the assessment we conduct. Every case is unique and we take a number of things into consideration during the assessment. We use propritary technology and eligibility requirements, along with your credit history to assess all humm applications.
When you connect humm to your online banking account, it gives us an opportunity to understand your income and spending habits—we want to make sure you can comfortably meet the repayment terms of your requested loan amount.
Your application may be affected by your repayment history with other vendors. It’s possible that things such as your cell phone or hydro bills, an auto loan payment, your income, and any credit cards could impact the final decision on your application.
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