So you don’t have the cash upfront - but you really need that lounge suite, or your child has outgrown their cot and needs a bed. What options do you have?
Credit cards: these need to be paid off within the month or interest rates between 12 - 20% are payable.
Interest-free period: If you don’t pay for your item during an interest-free period, you could get charged up to 30% after the interest-free period.
Traditional layby: You won’t get your item until you’ve paid it off.
Is there a better option?
Yes - Humm.
No interest charges EVER!
Humm is a take-home layby scheme where you will never be charged any interest. Ever!
There are no interest-free periods with Humm payment plans.