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Humm Finance - Zero Deposit


Finance your shop up to £30,000 | humm United Kingdom

Considering buying your jewellery on finance? Working with humm, Hatton Jewellers offers you the ability to spread out the cost of your purchase over several months. 

Just one of our helpful payment methods, used responsibly, humm can make purchasing your next piece of jewellery quicker and easier. But how does it work? Here’s everything you need to know - if you have any other questions, visit humm or get in touch.

What is humm?

humm is a buy-now-pay-later lender. They provide credit services that allow you to make a purchase and pay it back at a later date or over a period of time. 

humm is authorised and regulated by the Financial Conduct Authority (FCA). They are committed to responsible lending practices and will ensure that your application is processed with the highest level of security and confidentiality. Hatton Jewellers is not a lender and acts as an introducer.

How does humm work?

Paying for your purchase using humm is simple:

Step 1 

Add products to your cart and select ‘humm’ as a payment method at the checkout.

Step 2 

If you haven’t used humm before or don’t have an approved credit application, enter a few personal details so humm can check your eligibility, and then submit your application. If you have, you will be taken through to the checkout.

Step 3

humm will let you know in as little as 5 minutes whether you’ve been approved. 

Step 4 

If approved, choose a payment plan that works for you, input your payment and delivery details, and complete your order.

Step 5

humm will send you an email confirmation and a link to your humm portal, where you can make payments and view the status of your loan. humm with also send you reminders when it’s time to pay your instalments.

Who can use humm?

If you want to buy jewellery on finance through Hatton Jewellers with humm, you must fulfil the following criteria:

  • Be at least 18 years or older
  • To have lived permanently in the UK for at least 6 months
  • Earn over £1,000 per month
  • A good credit history
  • A UK debit or credit card in your name
  • Valid UK ID, like a passport or driving license,  to hand.

View humm’s terms and conditions here.

The terms and conditions above are correct as of February 2024. Meeting the terms listed above does not guarantee the approval of your application as each application is assessed on a case-by-case basis.

Will there be a credit check?

Yes, if you submit a credit application, humm will check your personal data against information held by one or more Credit Reference Agencies. This is known as a hard credit search which will be logged on your credit record and may impact your future credit availability.

You can contact the Credit Reference Agencies if you think there is a mistake on your credit report, or if you wish to check your credit rating before you apply.

What if I miss a payment?

If you miss a payment, humm will try to contact you to understand your situation and find a solution. You will get a notification of the missed payment via SMS and email, plus instructions on how to pay. 

If humm does not receive your payment, they will try to process the payment again the next day. If this second attempt is unsuccessful, you will be charged a £7 late payment fee, and they will try to contact you again.

If you are having difficulty paying, contact humm as soon as possible.


Can I buy more than one piece of jewellery with humm?

Yes, you can, as long as the total sum of the purchase is within the amount of credit you have been granted in your loan agreement.

Can I repay my humm plan early?

Yes, you can. Just log into your humm portal and make a one-off payment. You won’t be charged any additional fees or charges.

What if I need to return my purchase?

If you return the goods, do so under our regular returns process. We will then cancel the purchase and process a loan agreement cancellation with humm, which will refund any sums paid to your payment card.

When is my first payment date?

Your first payment on humm’s no-interest and no-fee products will be 14 days from the date of purchase for fortnightly contracts and 31 days for monthly contracts.

For humm’s other products, you can choose your first payment date within 31 days of the purchase date. It can be a good idea to select a payment date close to and after when you receive regular income (such as your monthly paycheque) as you may be unable to change your payment date in the future.

If you have any other questions, get in touch or view humm’s FAQs and support page

Fees, terms & conditions apply. Minimum purchase amount applies. Subject to assessment and approval. Finance provided by FlexiFi Europe Limited. 

Please note discount codes and promotiona vouchers are not available for this payment method

Hatton Jewellers Ltd. is authorised and regulated by the Financial Conduct Authority, registered number 795045, and acts as a credit intermediary.

humm is a trading style of Humm Group Limited which is authorised and regulated by the Financial Conduct Authority. Financial Services Registration Number 954478. humm offers both regulated and unregulated products. Their interest free plans which are repayable within 12 months and in no more than 12 instalments are not regulated by the Financial Conduct Authority. Registered office: Humm Group Limited, c/o A&L Goodbody, 42-46 Fountain Street, Belfast BT1 5EF. Company Number: NI675430. Data Protection Register Number: ZB029507

All information provided is correct as of February 2024.