Spread the cost with Humm
We at JK Hair are offering Humm which is a retail instalment payment plan facility, an easy alternative to paying with cash or credit card for your JK Hair Replacement Systems, JK Laser Hair Therapy course or JK Laser Cap. Humm is there to make finance simple!
It’s all about you – you’re in total control. You select the amount; You select the plan; You have full access to your Humm account via your very own self-serve portal. You can even pay out your purchase early without any additional fees or charges. Like we said, it’s all about you!
Humm like to know their customers so to apply, you complete a simple, quick and easy online application form on your mobile phone or mobile device. Apply from home, at the office or in-store – it’s your choice. Please make sure that you are NOT using Internet Explorer when applying.
Depending on the chosen plan, there may be an application fee required up front upon approval and a monthly fee to run your account. These fees are included in your credit and payment schedules; itemised on your payment schedule so you know exactly how much you are paying. Providing you stick to your payment schedule, you know exactly how many payments you need to make and the total amount payable throughout your Humm payment term.
We have several plans available:
O% APR Plan
Purchases €80 – €499.99
This plan equals to 5 equal payments. 1st payment upfront & 4 fortnightly repayments.
Representative Example: Total Amount of Credit: €499.99 over 5 equal payments. First 20% payment upfront & 4 equal fortnightly payments. 0% interest rate. No application fee, No monthly account fee. APR of 0%. Total Amount Payable: €499.99
Low Interest Plans
Purchases between €250 to €499.99
This plan allows you to spread the cost over 6 months. €5 application fee, €1 monthly account keeping fee & 2.99% interest.
Purchases between €500 to €999.99
This plan allows you to spread the cost over 6 to 12 months. €10 application fee, €1 monthly account keeping fee & 3.99% interest.
Representative Example: Total Amount of Credit: €999.99 over 12 month term with 3.99% interest rate. €10 application fee, €1 monthly account fee. APR of 8.35%. Total Amount Payable: €1,043.68
Interest Bearing Plans
Purchases between €1,000 – €3,000
Spread the cost over 12 or 18 months. 4.25% variable interest bearing rate. €40 application fee, €3.50 monthly account keeping fee.
Purchases between €1,000 – €15,000
Spread the cost over 24 or 36 months. 7.99% variable interest bearing rate. €35 application fee, €3.50 monthly account keeping fee.
Example: Total Amount of Credit: €5,000 over 36 month term with 7.99% interest rate. €35 application fee, €3.50 monthly account fee. APR of 10.44%. Total Amount Payable: €5,800.76.
Humm likes to keep in touch so will send you SMS messages and emails throughout your application and time with us. Having a mobile phone number and email address is required to enjoy the benefits of Humm.
To apply for Humm, all you need is a valid email address, your mobile phone number and meet the following minimum criteria.
- Provide proof of PPS number & Address*
- Be at least 18 years of age
- Be an Irish citizen or permanent resident of Ireland
- Earn a minimum taxable income of €21,000 per year
- Have a current credit / debit card and a Photo ID
- Have a good credit history
During your Humm assessment, we may ask you to provide additional documents such as a recent bank statement, utility bill or payslip to support your application.
Once we have all we need, you’ll receive a credit decision within minutes! It’s that simple!