Start splitting your payments today with Humm

Why wait for the perfect bed? Get up to 36 months of interest free credit at 0% APR

  • Visit and login or sign up for an account, or just simply apply for an amount to spend with humm. You could receive an answer in as little as 5 minutes. €40 application fee applies.

    If approved you can use your limit to shop with humm. Visit a, add your items to your shopping cart, click checkout.

    You’ll be directed to our purchase page to complete your purchase.

  • To be eligible for humm you must meet the following criteria:

    • Be at least 18 years of age
    • Provide proof of PPS number & address
    • Be an Irish citizen or permanent resident of Ireland
    • Earn a minimum taxable income of €1,500 per month- joint spouse/partner income not taken into consideration
    • Have a current credit/debit card and a photo ID
    • Have a good credit history

    Unfortunately there is no way of predicting if you will be approved or not, or what is the maximum amount you can be approved. You will need to complete our application form and go through the assessment in order to get an answer.

    • PPS & Proof of address
    • Minimum income of €1000 a month
    • Photo ID and bank card in your name
    • Good credit history
  • humm, Level 4, No. 5 Custom House Plaza, Harbourmaster Place, Dublin 1.

    FlexiFi Europe LTD trading as humm offers a Retail Instalment Payment Plan Facility and is regulated by the Central Bank of Ireland. humm is underwritten by FlexiFi Europe Limited, Company Number: 600124. Flexifi Europe Limited, trading as humm is regulated by the Central Bank of Ireland. Directors: M.T Flemming, R. James (Australian), and P.J Byrne

  • Full details of how the lenders use your personal information are provide in the link below:

  • Yes you can!

    For customers to see what payment plans are available with humm, they will need to speak to a member of staff in store.

    • Staff member Logs into their humm portal, which is password protected.
    • The process begins by clicking “purchase” button, which then prompts for the customer mobile number. (Customer mobile then is inputted)
    • Customer approval is displayed, and the following purchase details are required by the member of staff: Salesperson name, description of products or services, invoice reference number, total price, cash deposit amount if applicable.
    • All Payment Plans available are then displayed. At this point the member of staff will click the “Send to customer” option and a link is emailed to the customer.
    • Customer reviews and chooses a payment plan on their own device.
    • Customer is sent an acceptance code for the agreement by text message. Customer reviews the agreement, and inputs acceptance code to accept the agreement.
    • Customer inputs a valid payment card, picks repayment date for when they want their payments to start.
    • Ticks 2 boxes for authorisation of upfront payment (if required) and any future payments as per schedule agreed.
    • Customer clicks ‘Complete Purchase & A Retail Instalment Plan Facility Agreement is emailed to the customer upon finalising.
  • The first payment on our no interest / no fees products is 14 days from the date of purchase for fortnightly contracts and 31 days for monthly contracts.

    For our other loans products you can choose your first payment date within 31 days of the purchase date (best to choose a date around expected income as the payment date may not be changeable in the future). See My Customer Portal for more information about checking your payment dates.

Dreams is registered as Hometime Retail Limited
Company registration number: 584046
Registered Address: Coliemore House, Coliemore Road, Dalkey, Dublin, Ireland

There are fees and charges associated with using humm credit.

Each time you make a purchase using humm credit,
an application fee may be charged and
a monthly account keeping fee may also be payable.
The amount of each fee depends on the retailer and the credit plan chosen.

If you know the retailer you intend to purchase from, you can use the Get a Quote option available on each retailer’s page in the SHOP section of our website tool to view the exact amount of fees payable for each credit plan they offer.

The table below sets out the current range of fees and charges that may apply to your loan with us.

  • Application Fee: €0 - €40 — Once off at time of loan establishment
  • Account Keeping Fee: €0 - €3.50 — Monthly, collected with the load payment
  • Dishonour (late patment) Fee: €9.00 — May be applied in cases where a payment is late by more than 24 hours