Financial Support
We are committed to ensuring everyone has equal access to the right care and support they need across our range of adjustable beds and mattresses. It is our mission, to make sure everyone who needs additional support is not turned away, that’s why we have partnered with Afterpay and Humm as our financing providers with several repayment options available.
How Afterpay works
- When you use Afterpay, you pay for your items in 4 equal instalments over 6 weeks, without incurring any interest.
- We pay the retailer in full and upfront on your behalf. You pay for the first instalment of 25% at the time of purchase, and the remaining three instalments will be automatically deducted from your nominated debit or credit card over the following six weeks.
- You can use Afterpay for purchases up to $2,000 with the standard 4-installment plan. If your purchase exceeds this amount, don't worry! Contact our friendly team, and we can help you arrange to pay an upfront amount and spread the rest over Afterpay.
Afterpay is interest-free
When you pay in 4 instalments, it’s always interest-free, and there are no late fees as long as you pay on time. If you do miss a payment, you will incur a late fee and you won’t be able to buy or book anything else with Afterpay until you settle your account. But no interest.
Available in-store and online
Afterpay can be used both online and in physical stores, depending on the retailer or service. To shop in-store with participating retailers, you’ll need to set up the Afterpay Card. You can do this through the Afterpay app; just go to the In-store tab and follow the prompts to add the Afterpay Card to your digital wallet. Then when you’re shopping in-store, just tap to pay with Apple Pay, Google Pay or Samsung Pay.
Are there any fees for using Afterpay?
There are no late fees if you pay on time. However, if you miss a payment we do charge late fees. These fees never exceed 25% of the purchase price or $68; whichever is less. We do everything we can for you to avoid late fees, including sending reminders leading up to the payment due date and an alert after a payment has failed. Monthly fees apply to Afterpay Plus subscribers.
Click this link to learn more about how it works from the Afterpay website, and this link to read the Afterpay terms of service.
Using Humm, we can give customers the flexibility they require to purchase their adjustable bed, mattress, or Home Care package bundle without stress, lengthy application delays, or ultimately being turned away.
Payment Options Available
Humm offers payment plans for ‘Little Things’ and ‘Big Things’ purchases. What this means is that you can claim the following amounts across our range:
‘Little Things’ - Payment Up To $2,000
| Finance Limit | 1st Repayment | Term (months) | Monthly Fee |
| $1,000 | 20% | 2.5 | $0 |
| $500 - $2,000 | 20% | 5 | $8 |
- Choose to repay fortnightly in 5 or 10 instalments
- Can pay weekly as well if this is more suitable for you
- Purchases under $500 are not eligible for 5 month terms
- Each repayment frees up your individual balance to spend again.
‘Big Things’ - Payment Up To $4,000
| Finance Limit | 1st Repayment | Term (months) |
| $2,000 | 10% or 20% | 6 |
| $3,000 | 10% or 20% | 9 |
| $4,000 | 10% or 20% | 12 |
- Fees - $8 per month, and an Establishment fee of $55.
- Depending on the purchase type you can choose to pay in 6, 9 or 12 months.
Customer Eligibility Checklist
| Required Information | Little Things | Big Things |
| Customer Age | 18+ | 18+ |
| Identification | Australian driver’s licence or, passport, or Medicare | Australian driver;s licence, or Aged pension card, or Veteran’s pension card (secondary ID of driver’s licence or Medicare card required for above pension cards) |
| Employment | Full time or Permanent part-time, minimum 25 hours per week. If self employed an ABN is required, or aged pensioner 65+, or veteran affairs pensioner | |
| Direct Debit Details In Applicant Name | VISA, MasterCard (credit or debit) | Bank account of VISA, MasterCard (credit or debit) or AMEX |
Special Approval Support Options
Our experienced team can work with you to fill out the application process, and provide clinical justification as needed with special payment options - ensuring pensioners and customers who are unemployed are supported. Please get in touch with our team to learn more on 03 9041 4765.
Special Exemptions
The following outlines a list of special exemptions that Humm will consider for specific applications and purchases. Our team instore will work with you to provide any additional information as needed to complete your application.
| No Driver’s Licence | Part-Time Employment |
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| Self-Funded Retirees | Carer’s Pension/Widow’s Pension/Disability Pension |
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FAQS About Our Financing Support Options
How do I set up an Afterpay account?
Setting up an Afterpay account is simple, and anyone over 18 can do it. To get the best experience, download the Afterpay app to sign up. Alternatively, you can sign up on our website, or during the checkout process at participating online retailers. You'll need to provide some personal information and link a debit or credit card.
It’s important to know that we do apply an approval process for individual purchases. Our approval process takes a number of factors into account, including whether there are sufficient funds in your account (particularly for new customers), and how much you will have to repay on the purchase. We carry out this process on every order you make with Afterpay, not just the first one.
How can I increase my Afterpay spending limits?
Afterpay's spending limits start low, at around $600, and increase gradually over time with consistent on-time payments. If you’re a new Afterpay customer, the amount you can spend will be lower than if you’ve been responsibly using Afterpay for a long time. Typically, the longer you’ve been using your account and making repayments on time, the more likely the amount you can spend will increase.
What happens if I miss an Afterpay payment?
If you can't make a payment, you should contact us as soon as possible to discuss your options. You may be able to reschedule the payment or make a partial payment. We will charge a late fee if you miss a payment.
But first, we will do everything we can to help you avoid this, including sending reminders leading up to the payment due date and an alert after a payment has failed. If you do miss a payment, we will immediately pause your account and you won’t be able to buy anything else with us until your payments are up to date. You may notice your spending limit decreases too.
How much are the Afterpay late fees?
Total late fees are capped at 25% of the order price, and will never exceed $68 per order, regardless of the order amount. For orders $40 and over: each time a payment is late, an initial fee of $10 will be charged. A further fee of up to $7 will be charged if the payment remains unpaid seven days after the due date. We also pause your account until the balance is paid and you're back on track. We’re committed to doing everything we can to help you not miss a payment.
How Do I Get Started With Humm?
To get started with Humm today visit the Google Play or Apple App Store to download and start your application. Alternatively, our experienced staff can also assist you with setting this up in store. Visit Humm for their full terms and conditions.
How Is Humm Used For Online & In-Store Orders?
Humm can be used as a top up for any product, with no minimum spend on orders under $2,000. Customers can choose how much they want to spend up front, and choose a financing plan that is flexible and tailored to your needs.
What Happens If I Return My Bed Or Mattress? Will I Get A Refund?
You will receive a full refund if the mattress or adjustable bed is not suitable for you (conditions apply) or if it is a defective product. In most cases, we can swap out the mattress with another one that is more suitable covered under our Peace of Mind Policy. However, if you are looking to return your adjustable bed or mattress, please get in touch with our team to discuss further.
Can I Change My Payment Amount For A Product?
No, this cannot be changed.
Can I Change My Scheduled Payment Date?
Yes, individual payment dates can be changed on the web or within the Humm app. This can only be done for future dates (not on the day or previous).
Speak To Our Team For More Information
For more information about our financial support options please get in touch with our experienced team today on 03 90414765 or via email. We’ll be more than happy to guide you through any queries you may have, ensuring you get the right payment support for you.