This was posted 4 years 3 months ago, and might be an out-dated deal.

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Spend $100+/$500+ at a Humm Retailer, Get $50/$100 Back

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Spend $100+/$500+ at a Humm Retailer, Get $50/$100 Back
Go to Deal
machej on 26/09/2020 - 20:06 campaigns.shophumm.com.au (3436 clicks)
Last edited 26/09/2020 - 20:09

Seems to apply to both new and old users. Terms and conditions don't say all that much:

Transaction must be $100 - $499 in order to receive $50 cash back; or $500+ in order to receive $100 cash back. Transaction must be made between 16/09/2020 and >30/09/2020 11:59PM. Limit of one cash back per customer in promotional period, which will be applied to first eligible purchase. Based on purchase amount, $50 cash back or >$100 cash back will be removed from the final scheduled payment.

Can be combined with other coupons such as CottonOn's 20% off using: SPRING20

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closed Comments

  • ln28909 on 26/09/2020 - 20:11

    Can someone give a tldr of how this works, more like afterpay or more like zippay

    • ruskiromka on 26/09/2020 - 20:12
      +2

      Exactly. Humm (Flexigroup) were the OG Afterpay/Zip.

      • ln28909 on 26/09/2020 - 20:15

        But is it like afterpay where it divides into 4 and if you pay on time there's no fee?

        Or like zippay where there's a monthly fee

        • ruskiromka on 26/09/2020 - 20:16
          +2

          No fee if you choose 5 fortnightly payments. $8 fee for 10 payments.

        • machej on 26/09/2020 - 20:17
          +2

          For little things under $2k it's free if paid on time: https://image.prntscr.com/image/XyhLhQtxSQSHKr711PHiyA.png

          Edit: Got ninja'd but the image above may help.

          • ln28909 on 26/09/2020 - 20:19

            @machej: Okay thanks, I will pull the trigger on that IKEA chair then

        • blighst on 26/09/2020 - 21:58

          Zip is still free if you pay it off in under 55? days

    • machej on 26/09/2020 - 20:12

      Pretty much another clone. It used to be called Flexigroup and got rebranded as Humm. You probably just need an email, phone number, ID and card to signup.

  • LittleTicket on 26/09/2020 - 20:21

    So buy something from Ikea for $500. Pay back installments and the final payment is $100 cash back. Then return the items and pocket $100?
    Yeah yeah credit score hit but eh.

    • ln28909 on 26/09/2020 - 20:30

      they will refund through humm, so don't think it works that way

    • modsec802 on 26/09/2020 - 21:02

      No credit score hit for $500 limit

  • Iwantthebestprice on 26/09/2020 - 20:29

    On the topic of ikea, never again, I bought items on 15 august and they send me an email today saying delivery delayed till 15 October! To anyone in VIC ordering from ikea wait till lockdown ends and go to store, will never shop online from them again

    • LittleTicket on 26/09/2020 - 20:33
      +1

      Yeah we copped that. Order got split in to 2 and is taking 8 weeks.

    • bakerboo on 26/09/2020 - 21:52

      Ikea experience was good for me recently. Ordered last Tuesday and received the items this Wednesday.

    • voteoften on 27/09/2020 - 10:11

      Wow, so VIC folk can't even go to IKEA? I remember when WA was in lockdown. We could still visit IKEA. The queue to get in was massive. What a joke.

      • ComputerPC on 27/09/2020 - 10:45

        Since stage 4 lockdown, you can not travel more than 5km. If you live near IKEA then you still can go there

        • wingsq on 27/09/2020 - 18:56

          Unfortunately, IKEA is only "open" for contactless pick up just like Bunnings and Kmart.

    • nickj on 27/09/2020 - 13:28

      Can confirm. I'm in NSW (Sydney inner city) and it's not as bad as VIC, but it's still pretty bad. In August, Ikea still took 2.5 to 3 weeks to deliver, and they had a store with stock about 7 kilometres from me. Other stores in the city also had stock of the item. I was amazed how slow they were, I really don't think Ikea does online orders efficiently.

  • Qmar on 26/09/2020 - 20:44
    +6

    Buy $101 get $50 back seems too good to be true..but i did it anyways

    • DemocracyManifest on 27/09/2020 - 14:18
      +1

      Website says '$50 cash back if you spend between $100 and $499', so by that logic $100 should qualify?

      • Qmar on 27/09/2020 - 18:35

        I just wanted to be safe :)

  • 18 on 26/09/2020 - 21:05

    Is there a credit check?

    • modsec802 on 26/09/2020 - 21:07
      +1

      I didn’t get one for the $500 little things account

    • Neoika on 26/09/2020 - 21:10
      +1

      No for Bundll, which is also a product from Flexigroup.

    • Qmar on 26/09/2020 - 21:10
      +1

      It charges your credit card for the instalments. I didnt get a credit check for my little things account

    • nickyd84 on 27/09/2020 - 10:47

      No.

  • PissLUR on 26/09/2020 - 21:43

    Could only get $100 initially without a boost.

    • DemocracyManifest on 27/09/2020 - 12:03

      Genuinely concerning it lets you pay off the balance with a credit card, zip and afterpay don't let you do that…

      • PissLUR on 27/09/2020 - 12:14
        +1

        ?

        zippay and afterpay let you make extra payments to pay off the balance with a credit card.

        • DemocracyManifest on 27/09/2020 - 12:15

          Really? Wow. I tried a credit card once and both said no

          • PissLUR on 27/09/2020 - 12:17

            @DemocracyManifest: oh sorry i think zippay let you do that. but with afterpay. you can only choose to pay in advance for upcoming payments thats due within the next 3-7 days.

      • lowballer on 27/09/2020 - 13:46

        What? My AP is connected to the credit card. Many more interest free days👍

  • DemocracyManifest on 26/09/2020 - 22:12

    Right, so can you set the instalment amounts so you get the cash back instantly on your last purchase? Or is it a future credit thing? Or does it go back to your card?

    • machej on 26/09/2020 - 22:19
      +1

      I assume it will take the last payment off so choose the fortnightly installments so it takes it off in one. If you buy $100 and the instalments are $20 then you may need to contact support. Hopefully not. Either way the terms aren't clear so they will have to give a full $50 back.

      • DemocracyManifest on 26/09/2020 - 22:21

        Cool. I’m planning to just spend like $101 ish so it is a bit confusing

      • peter05 on 26/09/2020 - 22:47
        +3

        hrm, i wouldn't be too quick to assume this is how it works. its bordering on deceptive but it is flexigroup that we're talking about….i'm going to assume a $100 purchase will qualify for $20 cashback rather than $50

        • randomusername2017 on 27/09/2020 - 00:20

          $50 cash back or $100 cash back will be removed from the final scheduled payment

          $100 purchase is only "sliced" into $10/$20 scheduled payments… be interesting to see how they manage to remove $50 from $10

          $501 with a final $1 slice sounds feasible

      • ely on 27/09/2020 - 10:41

        $100 cash back when you spend over $500.
        $50 cash back if you spend between $100 and $499.

        It looks like they've left a gap between 499 and 500 (inclusive of each) where they don't have to give cashback. 499 is not between 100 and 499, and 500 is not over 500…

  • earth worm jim on 26/09/2020 - 23:03
    +1

    This will most likely incur a credit check so not sure if it's really worth it.

    • simon 84 on 27/09/2020 - 01:13

      It will. And now, when you apply the mortgage, all banks will ask you, about your owning at Afterpay, Zip, Humm etc. They can get your credit report with all information, I think.

      • nickyd84 on 27/09/2020 - 10:48
        +2

        It doesn't.

      • od810 on 27/09/2020 - 19:47

        I used all sort of BNPL and pay everything on time. Recently, I refinanced and they asked about it, simply said that i used that to spread out the interest free payment period on my credit card, show them the statement. No further questions. Banks only concern when you are late in repayment. And now with the removal of responsible lending, they won't give a crap. It all comes down to can you afford the loan i.e your monthly spend etc and do you have the deposit?

  • lone0113 on 27/09/2020 - 00:21
    +2

    so many buy-now-pay-later companies recently…
    I haven't use any of them and I am not planning to use any
    but some of their deals sounds pretty attactive (when they promote their businesses)

    for this one, not many options for victorians during the lockdown
    but the spend $100 get $50 back is pretty attactive (it's 1/2 price)
    but it depends on any fees if they will charge to you (if no/low fees, that's a bargain)

    anyway, from my experience many years ago in harvey norman (or other furniture stores)
    there are always options of payment plans from those stores
    while I asked the staffs and been told
    'if you want to use these plans, you have to go with the ticket price, or if you pay by cash (card), we can help you with (negociate) the price'.

    till my recent studies, i finally understand the reason why the price was negociatable if we pay it directly to the stores
    it was because if we make a payment plan, or use these bnpl companies, these companies would charge a percentage of the sell price from the retailers
    and the retailers would always be happy to give you a discount as long as it's lower than that charge

    so from my opinion,
    if you could get a bargain through their promotion period, get it
    if you're purchasing online which the prices are set, no fees charge to you, consider using it
    otherwise if you're buying something big, like furniture or white goods, and you're happy and you could make it in stores
    try to do some research and talk to the staff to beat the price you found online/in other stores

    btw, always make sure you're buying things you could afford
    because the credit card interest and late fees for these bnpy companies would be extremely high
    and paying them would be extremely silly

    • davesgnl05 on 27/09/2020 - 09:23

      Basically most of the interest free deals through retailers put you onto a credit card (GE, latitude, HSBC, etc.). And you're right. Once you use those cards, the store is absorbing the interest rate you'd normally get charged. So, the longer the interest free period, the bigger the hit the store would take.

      That said, you can probably still get a better price, but you'd definitely lose bargaining power compared to paying cash or with your own card.

      • brongz on 27/09/2020 - 18:57
        -1

        Negotiate first, pay later. You don’t have to tell retailer that you wanna pay using certain card.

  • tzar on 27/09/2020 - 01:09
    +2

    hmm, wonder what happens if the cashback is greater than the final instalment..

  • Autonomic on 27/09/2020 - 01:34
    +3

    Can you buy a coles myer giftcard from Myer using this?

    • coolsteps on 27/09/2020 - 10:18

      can someone report back here if they were able to buy a gift card at priceline, ikea or myer with humm and i cant see that its excluded from t/c's?

      • DemocracyManifest on 27/09/2020 - 19:10

        Sanity worked; but because of the $100 limit on humm I couldn’t get add up nicely, and now I’m stuck with a gift card. Hoping the promo works as it says…

    • Autonomic on 27/09/2020 - 11:55

      You cannot use humm to purchase alcohol, block knives, gift cards or for charity donations.

      From Myer FAQ.

      • coolsteps on 27/09/2020 - 13:26

        is that for all stores or just myer? might try it with a small item and a gift card at price line today

  • KangaDrew on 27/09/2020 - 02:04

    I was just about to spend my $500 little things credit today at IKEA but decided I'd do the whole thing online on Sunday instead. So glad I waited! Thanks OP!

    • PissLUR on 27/09/2020 - 05:38

      Transaction must be made between 16/09/2020 and >30/09/2020 11:59PM.

    • justtoreply on 30/09/2020 - 12:54

      Likely in store only!

  • m0nkeycheese on 27/09/2020 - 09:00
    +2

    Scored this for the wife anniversary present! Prouds was half price coz they were getting renovated, then got $100 back. Pretty damn good

    • tzar on 27/09/2020 - 17:11

      Did you get the cashback already? I thought it was off the final instalment in a couple of months

  • serpserpserp on 27/09/2020 - 09:13
    +1

    Edit: Looks like ikea is instore only :/

    • KangaDrew on 27/09/2020 - 17:18

      Where does it say that?

      • serpserpserp on 28/09/2020 - 07:52

        See comments in this thread. But it literally says it when you search the retailer on their site.

  • nosrad on 27/09/2020 - 10:13
    +1

    They only offered me $250 balance with my perfect credit rating. WTF?

    • Geez on 27/09/2020 - 11:26

      I had a perfect rating of 850 plus and I got declined for any credit .

      • nosrad on 27/09/2020 - 11:27

        Me too. I got 860+ credit score. I don't know what they are doing.

        • Geez on 27/09/2020 - 11:28

          Only issue I could see was when signing up I had to enter address manually. Moved to a new house only 2yrs old and some sites don't pick up the address yet.

          • nosrad on 27/09/2020 - 11:57

            @Geez: I wonder if they purposefully reject people with very good credit scores that show no potential for them to earn late fees.

            • machej on 27/09/2020 - 14:34

              @nosrad: I got rejected on desktop but got accepted on the mobile app. Seems like their product is inconsistent. I also have a perfect credit score.

      • od810 on 27/09/2020 - 19:52

        You need to check on all three credit bureaus i.e. Equifax, Illion and Experian. I have good score on both Equifax & Illion but shitty on Experian. Never had problem with credit application but got rejected once with Lpay because they used Experian.

  • ioga on 27/09/2020 - 11:05
    +2

    So apparently for IKEA in VIC, this offer cannot be used since the stores are closed and HUMM works in-store only. Would have been nice to know this before I spent the morning choosing stuff to get to $500, but oh well.

  • coolsteps on 27/09/2020 - 11:27

    so is it spend a minimum $100 or over 100 ie $101+ to qualify? i might just visit priceline and see if i can get a $100 gift card on humm.

  • pull the lever on 27/09/2020 - 11:48
    +1

    cant even sign up, it rejects my application. oh well.

  • soggypotato on 27/09/2020 - 12:02

    I tried to sign in Humm recently but got rejected even though it said something along the lines of 'the verification failed'. Contacted support and they said their ID process was not working, but through further contact they said they had rejected my application. Even Zip money gave me a 1000 credit limit..

    I cancelled my recent order from a retailer for this promotion, and I got rejected. Now, I reordered and have to wait longer for my oven to arrive (been out of one for 2 weeks).

    Just feeling a bit salty /end rant

    • nosrad on 27/09/2020 - 12:09

      How did you contact them? Their office is closed during the weekend?

      • soggypotato on 27/09/2020 - 12:27

        I used live chat, and it was during this Monday I think.

        • nosrad on 27/09/2020 - 12:39

          I see. Thanks

  • coolsteps on 27/09/2020 - 12:28

    only got $100 credit limit with medicare id check anyone get a higher limit using medicare card as id? maybe i should have used drivers license so they could check my credit file.?

    • brongz on 27/09/2020 - 18:59

      Am using license but got rejected 🙅‍♂️

  • Lancerx on 27/09/2020 - 13:53

    Meh, only $100 approved.. Now I regretted I applied. Used DL

    • DemocracyManifest on 27/09/2020 - 14:16
      +1

      Same. Used it anyway

    • PissLUR on 27/09/2020 - 15:58
      +1

      Try boosting with bank statement.

      • Lancerx on 27/09/2020 - 16:07
        +1

        only to $250 too..hardly worth the effort

  • Lancerx on 27/09/2020 - 16:07

    Looks like no option to pay with Humm at Ikea online store?

    • modsec802 on 27/09/2020 - 20:00

      In store only at ikea. They have iPads to manually create the payment.

      • Lancerx on 27/09/2020 - 22:21

        A bit embarassing if wanna pay with humn with just 100 eh.

  • lilkid28 on 27/09/2020 - 17:34

    Myer In Store only?

    • douglasabailey on 29/09/2020 - 17:21

      Yep. Which I discovered after spending way too long choosing stuff. :/

  • shrivb on 28/09/2020 - 10:12
    +1

    Can someone confirm if buying ikea gift card in store will qualify for the deal?

    • modsec802 on 28/09/2020 - 18:18

      Nope you can’t buy vouchers with this

  • mthucs on 28/09/2020 - 10:42
    +5

    Spoke to the Humm rep over the phone.
    Deductions are made within 2 weeks and not JUST off the final payment.

    For example, 100 dollar split into 5 would mean deductions of 10, 20, 20 or something along those lines.

    • DemocracyManifest on 28/09/2020 - 11:41

      Very good, would have been great if they spelled that out first haha

    • machej on 28/09/2020 - 11:45

      Maybe Flexigroup isn't as dodgy as they once were. Great deal then.

  • Homr on 28/09/2020 - 13:03

    FXL shareprice has fallen to 1.05 :(

    I bought at 1.32

    • machej on 28/09/2020 - 13:04
      +2

      If they keep denying people credit with good scores I don't see how they stand a chance.

  • coolsteps on 28/09/2020 - 13:16
    +1

    does any one know what will happen to the $50 credited to the humm account if you need to return one of the items to ikea or myer down the track?

  • Icel on 28/09/2020 - 13:59
    +2

    For anyone looking to purchase ikea gift card in-store, just confirmed by ikea that gift cards cannot be purchased through finance option such as Humm.

  • coolsteps on 29/09/2020 - 12:12

    i only have $100 limit can you split pay the amount over $100 at ikea with other means or does it all have to be on humm.?

  • cooni on 29/09/2020 - 16:53

    $100 purchase showing in app as $20 x 5 payments. Is the cash back meant to show in app?

    • amitkajitajhya on 29/09/2020 - 19:13
      +2

      Before your final payment the $50 will be deducted from your payment plan. Last time mine took 4 days to show up after purchase.

  • coolsteps on 30/09/2020 - 11:13

    mine is showing the first $20 paid on app but my linked bundll card hasnt been charged yet. btw ikea allow split payments paid $100 with humm app and rest with a gift card. has anyone tried buying a priceline gift card instore?

  • XedeX on 01/10/2020 - 23:21

    Has anyone received the cashback from this deal yet ?

    • modsec802 on 02/10/2020 - 07:06
      +1

      Nope - as per T&Cs it comes off your final payment which would be in about 8 weeks time - not sure what happens when final payment is less than bonus

  • tzar on 06/10/2020 - 18:43
    +1

    The cashback was processed on my account today as a "refund". For reference, I made the transaction on 27th Sep

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