Level 1, Theo’s Arcade, 202-212 Military Road, Neutral Bay, NSW, 2089

humm labskinclinic neutral bay

HUMM at LAB Skin Clinic, Neutral Bay – call 02 9170 4693 – is an interest-free Buy Now & Pay Later Option.

Formerly Certegy, Ezi-Pay and Oxipay, HUMM is another interest-free provider that offers “Buy Now and Pay Later” options for purchases up to $30,000.

To cover this range, HUMM offers two different types of spends:

  1. for ‘Little Things’ up to $2,000 and
  2. for ‘Big Things’ from $2,000 up to $30,000.

There are no credit checks for Little Things, although HUMM may check your credit rating, however this won’t affect your score or leave a record on your file, even if your application is not approved.

HUMM allows customers to divide the cost of their purchases into small, manageable installments, which are repaid in weekly or fortnightly interest-free installments… plus each repayment reduces your balance so that you can liberate funds to spend again.

You can repay ‘Little Things’ in 5 or 10 equal installments, while any ‘Big Things’ can be repaid over 6, 12, 24 or even up to 60 months.

Criteria for purchasing using HUMM

  • You must be 18 years or older
  • You must be a permanent resident of Australia
  • You must have a permanent job (at least 25 hours a week) or you must be on an aged/veteran’s pension
  • You must not be insolvent (or declared bankrupt)

Setting up an account is really easy: all you need to provide is proof of identity details, including your name and address, plus one of the following three ID documents for verification: your driver’s licence, your passport or your Medicare number.

The process of purchasing through HUMM is identical to Afterpay – the only difference is that at the point of purchase, you will pay a 20% deposit, which HUMM will automatically deduct from your credit or debit card, so you will need to ensure you have the funds available.



HUMM payment options available for treatments & products, including injectables | LAB Skin Clinic pays the interest on Afterpay transactions; you don’t | You never pay interest | There may be some restrictions for discounted course and treatment programs | No HUMM options available for Memberships | Minimum transaction spend is $400 | No refunds or exchanges are permitted for any HUMM transaction | To make it easier, we’ll help you select the best option for your purchase |

HUMM at LAB Skin Clinic, Neutral Bay, call 02 9170 4693

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