Financing

In order to qualify for financing, humm requires applicants to:

• Be the age of majority in the province/territory of residence
• Be a Canadian resident
• Have a mobile number
• Have an email address
• Have a credit card or Visa/Mastercard debit
• Have online banking credentials

You can apply in-store with our team at time of purchase. Humm will assess your application based on the details provided to determine your eligibility. During the application process, you may be asked to log into your financial institution. This connection helps humm determine the outcome of your application. Humm will also ask for your mobile number and send you a purchase link via text message to your mobile number. Follow this link to complete your purchase using humm.

With an easy application process, humm provides a credit decision in less than 7 minutes.

When making a purchase at Mobility Specialties using humm financing, you will need to make the first payment at the time of purchase using the payment method added during the application process. While the first payment does need to be taken from a credit card or Visa/Mastercard debit, you are welcome to log into your humm portal once the purchase is complete to add a bank account for pre-authorized debit of future payments. Otherwise, the credit card or Visa/Mastercard debit added will automatically be used for all remaining payments. This also allows you to take advantage of any points rewards that your credit card offers.

Not only can you purchase any type of mobility and accessibility equipment and at any price point using humm financing, but you can also using financing towards the repair and maintenance of your equipment as well as for equipment rentals.

With Humm, repayments are spread over time - over 6 bi-weekly repayments for purchases under $1,500, or up to 60 months for purchases between $1,501 - $30,000. When you apply for humm, you will be asked to connect a form of payment for repayments. This form of payment can be a bank account (through a Pre-Authorized Debit or PAD) or credit card. Repayments are then automatically deducted from the connected payment method when they are due. You can see your repayment schedule on the humm website or in the humm mobile app.

You may have to pay a monthly fee, depending on your humm payment plan. Purchases under $1,500 don't have any fees or interest, while purchases over $1,501 may have fees and interest attached to them depending on the payment plan you select.

Payments are processed according to the agreed repayment schedule with humm. Payments are processed regardless of the day of the week or if it is a public holiday. If your payment date is set for bi-weekly on a Sunday, the payment will always be processed bi-weekly on a Sunday. It is important to make sure funds are available for the payment.

If you need to make a return, please first refer to Mobility Specialties's Return Policy. Should you be eligible to make a return, We will assist with cancelling the transaction and your humm payment plan agreement. Upon the cancellation of the agreement, humm will process a refund for any sums paid toward the payment plan back onto the form of payment you selected during the application/purchase process. It may take 5-10 business days before you see the reversed transaction reflected on your statement.