Dreaming of a spa, swim spa or any Spa World product, but not ready to pay everything upfront? With humm^®, you don’t have to wait. You can enjoy your spa lifestyle now and simply spread the cost over time.

It’s a flexible, feel, good way to invest in your wellbeing—no stress, just smart choices that work for you.

Approval subject to credit assessment criteria. Fees and charges, terms and conditions and minimum purchase amounts apply. Credit provided by Once Credit Pty Limited (ABN 99 112 319 632, Australian Credit Licence No. 386194), a subsidiary of humm group limited.

What is humm^®?

humm^® is a product designed to make borrowing convenient and accessible for everyone. With a focus on innovation and customer satisfaction, humm^® offers tailored plans to meet individual needs.

The company operates across Australia, New Zealand, Ireland, and Canada, serving a broad customer base with innovative, interest-free finance options.

How do I finance a spa with humm^® with Spa World?

humm^® is a flexible finance solution that helps make your spa, swim spa, or sauna purchase more affordable, without the stress of upfront payments.

Whether you're upgrading your backyard or investing in wellness, humm^® gives you the freedom to buy now and pay later, with plans designed to suit your lifestyle and budget.

How do I finance a spa with humm^® with Spa World?

Humm is a flexible finance solution that helps make your spa, swim spa, or sauna purchase more affordable, without the stress of upfront payments.

Whether you're upgrading your backyard or investing in wellness, humm gives you the freedom to buy now and pay later, with plans designed to suit your lifestyle and budget.

Why choose humm?

• Fast & simple application – Get approved quickly so you can start planning your delivery.
• Finance up to $50,000 – Ideal for everything from compact spas to premium swim spas.
• Flexible repayments – Choose fortnightly or monthly options that work for you.
• You’re in control – Pay it off on your terms, with no hidden surprises.

How does humm^® work?

Shopping with humm^® is quick, flexible, and designed to fit your lifestyle. Here’s how it works:

1. Shop with Spa World

Visit any Spa World online or in-store, and let us know you’d like to pay with humm^®.

2. Apply on the spot or use your limit

If you're new to humm^®, our staff can help you apply in-store. Already have a pre-approved humm limit? Just let us know, and you're ready to go.

3. Get a fast decision

Once your application is submitted, you’ll typically receive a decision within minutes, so you can keep things moving.

4. Choose a payment plan that works for you

Review your options and select a repayment schedule that suits your budget, whether that's fortnightly or monthly. Then enjoy your purchase while paying it off over time.

Who is eligible to use humm?

Before applying for humm, there are a few eligibility requirements to keep in mind. This helps ensure that financing is a good fit for your personal circumstances.

To be eligible, you must:

• Be at least 18 years old
• Be a permanent resident of Australia
• Hold a valid Australian government-issued ID
• Have a regular, verifiable source of income
• Maintain a good credit history and strong repayment record

What are humm's terms and conditions?

Approval is subject to credit assessment criteria. Fees, charges, terms and conditions, and minimum purchase amounts apply. Credit is provided by Once Credit Pty Limited (ABN 99 112 319 632, Australian Credit Licence No. 386194), a subsidiary of humm group limited.