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Interest free & 0% APR
Pay over anything from 12 months to 36 months, interest free, with 0% APR and no fees.
Get the dream sofa, bed or dining table today with our range of affordable monthly repayments, tailored to make your shopping easier and more affordable.
Pay over 48 or 60 months
Pay over anything from 48 to 60 months, with interest bearing (9.5% - 11.4%), a €40 application fee and €4 account keeping fee applies.
Finance FAQ's
What finance options are available and what do they cover?
Harvey Norman offers three different finance options:
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Humm – Covers purchases for electrical, furniture and bedding items.
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Tech Credit – Covers purchases for computer and technology items.
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Quick Credit – Covers purchases for furniture, bedding and homewares items.
Can I use these options in store or online?
Humm and Tech Credit can be used both online and in store, where Quick Credit can only be used in store.
What do I need to apply for finance?
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A valid photo ID (passport, drivers’ licence).
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Be over 18 years of age.
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Have a monthly income of at least €1,000 per month.
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Proof of PPS and home address.
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A debit/credit card.
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A good credit history.
What is the minimum/maximum amount I can finance?
For Humm orders, the minimum amount that can be financed is €500. The maximum amount that can be financed is €30,000.
For Tech Credit orders, the minimum amount that can be financed is €500. The maximum amount that can be financed is €5,000.
How long is the approval process?
It does not take long to be approved for finance, it would usually take up to an hour to be approved or declined.
Can I pay off part of my loan early and would there be any penalties?
Yes, you can log into the Humm customer portal and pay the finance off early. If you go onto the “make a once-off payment” option on the portal, it allows you to pay off the finance early. You can do this as many times as you like. There would be no penalties for paying this off early and you would not be charged any more interest.
Can I change the debit/credit card on the account?
Yes, this can be changed through the Humm customer portal.
Is there interest on these finance options?
There would be interest on Tech Credit Orders and Humm orders on Furniture & Bedding products paid for over 48 months or 60 month.
For our full interest free options for Humm across Home Appliances, TV’s, Furniture, Beds & Mattresses please visit here for more information: https://www.harveynorman.ie/finance-option/humm.html.
I applied for finance and the option is not showing on the check out. What is the reason?
The Humm/Tech Credit option may not appear if the product you are looking to purchase is under the minimum finance amount. This may not appear if there are a mix of items covered by Humm & by Tech Credit in your basket.
Where can I apply for Humm/Tech Credit?
You can apply for Humm and Tech Credit online through the below link respectively:
Humm Orders on Home Appliances & TV’s - apply here
Humm Orders on Furniture, Beds & Mattresses – apply here
TechCredit – apply here
Where can I learn more about the finance options?
For Humm – www.harveynorman.ie/finance-option/humm.html.
For Tech Credit – www.harveynorman.ie/finance-option/tech-credit.html.
What are the contact details for Humm?
Humm can be contacted by phone at (01) 9609601. If you would like to make an enquiry through email, they can be contacted through here: https://www.shophumm.com/ie/contact-us and they are also available to contact on social media (Facebook & Instagram).
Am I guaranteed to be approved for finance?
The decision is not made by Harvey Norman and approval is not always guaranteed. Having a positive credit history will increase your chances of approval. In the unlikely event that you are declined, Harvey Norman would not be advised of the reason of this. You would be provided with the contact details for the CCR where they can advise further on this.
