Humm is a free Android app that allows New Zealand residents to buy products and pay for them later in easy installments without any interest. With humm, you can pay for purchases up to $1,000 with humm little things and repay in 5 fortnightly or 10 weekly payments. The app also lets you manage your repayments and available balance. Moreover, humm big things lets you buy items up to $10,000, interest-free.

To use humm, you need to complete an easy approval process and have a New Zealand debit or credit card, a valid email address and mobile number, a New Zealand driver's license or passport, and a permanent job or receive NZ superannuation or Veterans pension.

The app also allows you to search for the best places to shop and pay in installments. The humm app is free to use, but an internet connection is required, and normal data charges apply. Lending criteria, fees, and terms and conditions apply, including an establishment fee of $20 and a $2.50 account fee for humm big things only.