Searching for the diamond ring of your dreams? Or a piece diamond jewellery for someone special? Explore our selection of interest free finance options to accommodate all budgets. Read our guide to learn more about how you can buy now and pay later.
Apex Jewellers Ireland Ltd T/A Diamond Heaven’s finance is provided by Humm. Humm offers interest-free and flexible payment plans to help you split the cost of your purchase into smaller instalments. You can spend anything up to €30,000 over 10 weeks to 6 years (depending on the merchant).
Apex Jewellers Ltd T/A Diamond Heaven is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Apex Jewellers Ltd offers credit products from Humm Finance. Humm finance is provided subject to affordability, age and status. Minimum spend applies.
HOW TO APPLY FOR HUMM FINANCE?
Applying for Humm finance is quick and easy. The whole process takes just a few minutes and, in most cases, you will get an instant decision.
1. ShopStart shopping and customising your item. Once you’re ready, select ‘Finance from’ to view the finance options available.
2. BasketIf you haven’t gone via the above method, you can select Payment Method ‘Humm Finance’ before selecting your desired option.
3. ApplyYou will be redirected to the Humm finance portal to complete your application.
4. DecisionA decision is typically made within a few minutes.
5. EnjoyOnce your item is ready it will be shipped to your billing address.
Please note that we will only ship items to the customer’s billing address.
DECLINED APPLICATIONS
If your finance application is declined, please be aware that we are unable to provide any further information about this decision. If you have any questions, please contact the finance provider direct.
FAQs
How do I apply for humm ?
Visit humm.ie and login or sign up for an account, or just simply apply for an amount to spend with humm. You could receive an answer in as little as 5 minutes.
How do I make my purchase using humm?
You will need to have an approved amount to spend with humm (which you can apply for at humm.ie).
You will then choose to pay with humm at the point of purchase (in-store or online) and will be guided through the requirements to set up your Fixed Sum Loan and set up the repayments for the loan.
You may be required to make the first payment at the time of purchase. The card you use to make this payment will then be used for the recurring payments to service the Loan Agreement.
Can I make more than one purchases with humm?
Yes! You can make multiple purchases from multiple merchants up to the amount you have been approved for, which is valid for 90 days from approval date.
Can I pay off my humm plan early?
Yes, you can pay your plan off early without any additional fees or charges. You will only pay the balance owing (including interest, if any) up until the point of closure.
You can make additional payments at any time, and you can do this as often as you like – simply log in to your online customer portal (you will have received an email about logging in when you made your purchase), and clicking on your agreement number, and click making a “One-Off Payment”.
What happens if I need to return the goods I have purchased using humm?
If you need to return the goods, you do this through the normal merchant process. The merchant 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.
What happens if I miss a payment?
You can make a manual payment through your customer portal or using the quick pay link that you will receive by SMS on the due date when the payment has been declined.
If no manual payment is made on the due date and the payment on the due date was declined by your Bank due to insufficient funds, we will process a retry for the payment amount on the following day automatically around 7am.
If the payment is still outstanding after the first retry then a one off €9 late fee is applied and will be due to be paid in addition to the monthly payment amount. If no manual payment is made during a day, we will continue to retry for the payment plus one off fee daily for a period of 27 days.
If the card for payments on file has expired, damaged and replaced, or been reported lost stolen, you will need to update the card details and make a manual payment. Please go to My Portal Questions here for more information. In these circumstances no late fee is applicable.
If you are experiencing temporary or longer-term financial difficulties, please email us at contactus@shophumm.com providing all relevant details of your circumstances so we can work with you to manage the situation.
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