Humm NZ is a full-version, interest-free Buy Now, Pay Later app developed by Flexi Cards Limited for iPhone users. The app is designed to make shopping a breeze by allowing users to pay for purchases in easy instalments. With humm little things, users can pay for purchases up to $1,000 and choose to repay in 5 fortnightly or 10 weekly payments. For bigger purchases, humm big things lets users buy items up to $10,000 interest-free, changing the way they shop for everything from fridges to 8K TVs.

The app allows users to manage their repayments and available balance, providing a quick and easy way to keep track of their finances. To get humming, users must be a permanent resident of New Zealand, 18 years or older, have a valid email address, mobile number, New Zealand debit or credit card, driver's license or passport, and a permanent job (at least 25 hours a week) or receive NZ superannuation or Veterans pension. With the humm app directory, users can easily find all the awesome places to start shopping. The humm app is free to use, but an internet connection is required, and normal data charges apply.