We’ve partnered with Humm Finance to give you the best possible shopping experience available. You can now buy what you want when you want it. Humm is an instalment payment plan facility which allows you to spread the cost of your purchase over instalments, it is an easy alternative to paying with cash or credit card.
With humm you can split the cost and pay No Interest Ever on your purchases, terms apply. It’s simple to apply with humm. Once approved you are free to shop on our website or in-store using humm. Add in your number at checkout and choose a plan that suits you.
Flexible finance with Carrick Suite Dreams
How it works Online
Shop Now Online
Start shopping and add your items to your shopping cart, click checkout.
Choose Buy Now, Pay Later With Humm, you’ll be directed to the Humm purchase page to complete your purchase.
Complete Purchase
Ensure your total purchase is equal or less than your approved amount.
Once you are logged in, follow the steps to complete a purchase.
How it works In-Store
Have a humm Approval
Have your mobile ready as you will need to provide your humm acceptance code to complete the purchase.
If you do not have an approval, you will need to apply for before going in-store.
Shop In-Store at
Carrick Suite Dreams
At the checkout tell the store assistant you would like to pay with humm.
You can use your full approval or part pay with humm.
Complete Purchase
The store assistant will help you complete the process.
A flexible way to pay
Fast application process
No deposit
Use in store or online
Humm has rates and terms which are flexible depending on the amount you need.
€80 – €499.99
Pay bi-weekly or monthly
€500 – €999.99
Pay over 6 – 12 months
€1000+
Pay over 24 – 72 months
Am I eligible for humm?
To be eligible for humm you must meet the following criteria:
- Be at least 18 years of age
- Provide proof of PPS number & address
- Be an Irish citizen or permanent resident of Ireland
- Earn a minimum taxable income of €1,000 per month- joint spouse/partner income not taken into consideration
- Have a current credit/debit card and a photo ID
- Have a good credit history
Unfortunately there is no way of predicting if you will be approved or not, or what is the maximum amount you can be approved. You will need to complete our application form and go through the assessment in order to get an answer.
What documents should I have ready before application?
1) ID:
• Passport or
• Irish Driving License
humm may be able to accept other documents such as European Driving Licences or Garda Age Card ID cards. They must show your Name and Date of Birth on the front page. humm cannot accept Public Service Cards under any circumstances.
2) As proof of earnings / PPS Number verification, we need the following document:
• If you are employed: Payslip from the last month
• If you’re self-employed: Notice of Self Assessment return or Form 11
• If you are receiving benefits: Statement of Benefits
In case the document provided does not contain your PPS Number, we’ll request an alternative document such as Tax Credit Certificate / Form 11, medical card etc.
3) Bank statements within the last 3 months showing a minimum of 35 days transactions.
humm may seek an alternative document as proof of address, which must be dated within the past 6 months such as:
• A utility or landline telephone bill
• Department of Social Protection letter or Revenue certificate
• Insurance Policy
• Mortgage Loan Offer
• Lease or Tenancy Agreement
How Long does it take for a decision?
Once humm has all the required documentation, the application decision turnaround time will usually be within 24 hours. During peak seasonal period, the application may take a little longer.
Can I obtain a quote before completing accepting a purchase agreement?
If you wish to get a quote for a specific retailer please visit the website humm.ie, input your selected partner into the search bar on the top left hand corner, choose ‘get a quote’ and input the amount you wish to spend. If you wish to apply please go to https://apply.humm.ie/s/