Grow with humm

Discover why our partners see up to +30% growth† in revenue with our flexible consumer financing options

MAKE LIFE MORE AFFORDABLE FOR YOUR CUSTOMERS. LET'S TALK.

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A digital purchase financing program that
will grow your business

Improve Your
Cash Flow

Partnering with humm means you receive your customer’s full payment (minus fees) next-day, improving your cash flow while offering your customers the flexibility to pay over time.

Increase Your
Revenue

With humm, reduce cart abandonment and grow your sales. By offering flexible payment options, you can enhance the customer experience, leading to increased conversions and revenue growth.

Completely Digital
Solution

Experience the ease of a fully digital solution. Humm's seamless integration allows you to focus on what you do best - serving your customers.

Easy for Staff to Use
and Explain

Humm's intuitive platform is easy for your staff to use and explain to customers. Transparent pricing and zero hidden fees make humm a simple solution that fosters trust and boosts customer satisfaction.

Why choose humm?

Flexible financing up to $30,000

Finance your purchases with ease. Take up to 5 years to pay off your purchase in equal monthly payments with a low-fixed interest rate.

Easy application process

Quick, simple, and secure. Apply online or on your phone in under 7 minutes and get an immediate credit decision, anytime, anywhere.

No hidden fees

You get full transparency from the start, with no hidden fees in your plan. So you always know how much you owe, upfront.

WHAT HUMM CUSTOMERS ARE SAYING

Trusted by millions worldwide

Over 2.7 million customers and more than 73,000 retailers have chosen humm for their financing needs, and to help fuel their business growth.

Competitive rates & flexibility

Best-in-class rates and flexible terms up to 60 months ensure a positive, hassle-free buying experience that keeps customers coming back.

Exceptional customer care

With over 30 years of experience, humm’s support team provides unparalleled end-to-end assistance to both you and your customers.

HERE’S WHY MERCHANTS ACROSS CANADA ARE PARTNERING WITH HUMM

87%

said consumer financing has a positive impact on revenue‡

49%

of merchants are likely to start offering purchase financing to their customers‡

44%

strongly agree that purchase financing increases the average customer spend‡

Elevate Your Business Success with
Humm's Pay Later Solutions

Partnering with humm, an organization that has evolved from a leading buy now pay later company into a comprehensive consumer financing solution in Canada, brings a unique blend of benefits designed to propel your business growth. Humm’s completely digital consumer financing solution eases the administrative load, allowing businesses to focus on what they do best – serving their customers.

With humm, businesses can rest easy knowing that all loan risk is assumed by humm. Humm’s quick next-day payment feature facilitates smooth business operations, and the streamlined sign-up process coupled with flexible payment options enhances the customer experience.

Humm’s purchase financing integrates effectively with any business model, whether in-store, online, or both. Humm adapts to consumers’ shopping habits, supporting business growth, customer loyalty, and satisfaction. Partnering with humm is a step towards growing together with one of the top consumer financing companies.

OFFERING A FINANCING OPTION HELPS MERCHANTS AND YOUR CUSTOMERS.

A fully digital solution that’s easy for your staff to use and explain
Easy application process, customer receives a decision in less than 5 minutes
Secure & private, customer completes the application on their own device
No hidden fees & a fixed interest rate that’s lower than most credit cards!
You get paid next business day, while your customers can pay over time
Quote calculator to provide customers with an accurate estimate for monthly payments

Navigating the
Landscape of Consumer Financing

Step into the dynamic world of consumer financing with humm, an organization that has evolved from a buy now pay later innovator into a robust consumer financing company for merchants operating home improvement, dental, health care, veterinarian, higher ticket retail, and automotive businesses.

There are three key players in this field – credit cards, merchant-led financing, and third-party providers like humm.

Each comes with its own set of advantages and challenges. Credit cards provide immediate spending power, but can lead to high-interest rates. Merchant-led financing gives control over terms but also the risk of loan default.

Humm stands out among consumer financing companies. Humm handles the financial administration and assumes all risk of loan default, providing flexible pay later solutions. With purchase financing from humm, businesses can meet the growing demand for flexible payment plans. It’s the perfect time for businesses to leverage the potential of third-party providers like humm.

Get more with humm

†RBC Capital Markets - 2021 Outlook: Payments, Processing and IT Services
‡Humm - Growth in Canada - Merchant & Consumer Survey - March 2023