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.