Visit the humm website or download the app and complete the information requested through the application form. We will assess your application based on the details you provide us with and other external data sources (see below for further information on credit checks) to assess if you are eligible for a loan. We do perform a hard credit check for each new application that is submitted for assessment.

Select your goods or services and at the check-out select the option to pay using humm.

You will then be guided through the requirements to set up your Fixed Sum Loan and set up the repayments for the loan.

You will need to make the first payment at the time of purchase and the card you use to make this payment will be used for the recurring payments to service the Loan Agreement.

We will be sharing your personal data with one or more Credit Reference Agencies (CRAs) who will perform checks using public sources of data and this will leave a footprint on your records at the CRAs which will be visible to other providers of credit/other lenders/other organisations should they perform checks (full details are in our Privacy Policy available at https://shophumm.com/uk/privacy

The credit check is commonly referred to as a “hard credit search”. The information provided by the CRA assists us to assess whether the repayments on your proposed loan will be sustainable and affordable.

We provide your personal information to a Credit Reference Agency (CRA) and the CRA returns us the credit information that has been matched to you. The information will include your credit score as well as other credit and public information that is available from your credit file.

The hard credit search will be recorded by the CRA and can be seen on your credit file. It may impact your credit score and will be visible to other lenders.

We perform a hard credit check for each new application that is submitted for assessment. Too many hard credit searches on your credit file, conducted in a short period of time, could have a negative impact on your credit score.

Yes you can make one or more purchases from one or more retailers up to the maximum amount you are eligible for.

Yes, you can pay off early without any additional fees or charges. You will only pay the balance owed on the date you make the payment. You can do this by logging into your humm portal and making a once-off payment for the amount of your outstanding balance.

If you need to return the goods, you do this through the normal retailer process. The retailer will then cancel the purchase, and this will process a cancellation of your loan agreement. The cancellation of the agreement will process a refund of any sums paid back to your bank card.

If a payment is unsuccessful on the due date we will send you an SMS and an email to advise of the unsuccessful payment and provide ways for you to make the payment.

If the payment is not made on the due date we will automatically retry for the payment on the next day.

If the second attempt to claim the payment is unsuccessful a £7 late payment fee is applied to your Loan agreement and becomes due and payable along with the contractual payment.

At this time, we will not make any further attempts to process the payment and send you communications by various methods to contact you to discuss your missed payment and your financial circumstances. If we do not get a response from our attempts to contact you we will look to make 2 further attempts to process the payment from your bank card. These attempts will be made 5 days and 10 days after the due date.

You can pay with debit or credit card immediately in the checkout or take advantage of our Pay later payment option, where you can pay for the goods once you have received them via credit card or debit card.

As soon as Coggles.com have accepted your cancellation/return, then Klarna will cancel the statement or refund your payment.

Payment is due 30 days after the item is shipped. To help you pay on time, we'll alert you two days before payment is due – you'll receive email reminders to pay – and, if very late, we’ll also send you a text or letter, too. If you fail to pay Klarna for your order, your credit score will be affected.

If you want to make a purchase with Klarna you need to provide your name, address and email address. For some orders you may need to provide your mobile number or date of birth, too. All information will be sent to your email address, including payment reminders and links to your online statements. It's very important, that you give us the correct details, as otherwise you will not receive the payment information.

If you have chosen to Pay later, Klarna will send you an email with further details on how to pay. Your email will contain a link to Klarna where you can settle your payment with your credit or debit card.

Payment information is processed securely by Klarna. No card details are transferred to or held by Coggles.com. All transactions take place via connections secured with the latest industry standard security protocols. 

You can pay for your order at any point after you receive the email from Klarna with the details of your payment on. Just follow the instructions on this email to pay for your order.

If you pay by card, Coggles.com will confirm your order right away. If paying by Pay Later, Klarna will send you a payment confirmation to the email address that you have used for your order. If you have made a payment but not received payment confirmation, you can always check the status of your order and payments by logging in at www.klarna.com 

Once Coggles.com has received the return (partial or full) and you have received their confirmation of this, an updated statement will be sent to you by Klarna if you've made a partial return. With a full return, your statement will be closed.

You have 30 days to pay, so you don’t need to pay right away. If your due date is near and there is no sign of your goods, please contact Coggles.com to check on delivery. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment. 

As soon as Coggles.com has registered your cancellation or your return, the refund will be processed within 5 business days.

If you have paid for your order with card, the refund will be made back to the same card. If you have not paid the statement yet, then the refund will reduce the statement or cancel it completely.

If you do not have your statement number to hand you can log in at www.klarna.com/uk, where you will find all of your orders and be able to make payments.

Visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options.