humm
Pay for dental care with humm
humm is a buy-now-pay-later service that may let eligible patients at Magical Smiles Bacchus Marsh spread the cost of treatment over regular repayments, subject to humm's approval process and terms.
How it works
humm assesses an application using the personal, income and expense details you provide, and tells you the outcome before you commit. Approved plans are repaid fortnightly or monthly over a term set by humm, and repayments are deducted automatically from a bank account or debit card you nominate.
humm publishes plan terms of between 3 and 120 months, for amounts up to $50,000, depending on the plan you are approved for. No deposit is payable to the practice for treatment financed through humm.
Interest and fees
humm states that interest does not apply to its low cost credit contracts. humm does charge its own fees — an establishment or repeat-purchase fee, a monthly account fee, and a late payment fee if an instalment is missed.
The amounts that apply to you are set out in the loan schedule humm provides before you accept a plan. Check that schedule rather than relying on this page.
Important information
- Payment plan approved applicants only; fees, terms, conditions, minimum amounts and exclusions apply.
- Approval is not automatic and is decided by humm under its own eligibility criteria.
- Magical Smiles does not make humm approval decisions and does not manage humm accounts.
- Treatment is recommended only after a clinical assessment; the availability of a payment plan does not determine whether treatment is appropriate.
Before you decide
Read humm's current terms and consider whether the arrangement suits your circumstances. Fees vary according to individual needs and the treatment provided — ask the practice for a personalised written quote before deciding.
Our payment options overview explains the other arrangements to consider. If you are comparing providers, read the Afterpay information separately and check its current terms.
For an indicative starting figure rather than a quote, use the budget calculator. If you have cover, read the health funds information before asking your fund about benefits.
If your question concerns early superannuation release, our SuperCare page addresses that separate process and its limitations.
Credit is provided by humm BNPL Pty Ltd ACN 129 228 986, Credit Representative Number 569986 of Once Credit Pty Limited ACN 112 319 632, Australian Credit Licence 386 194.
Common questions
Can I use humm at Magical Smiles Bacchus Marsh? Yes. humm is available for eligible treatment at our Bacchus Marsh clinic, subject to humm's own approval process, fees and terms.
How much can I spread with humm? humm publishes plans of between 3 and 120 months for amounts up to $50,000, depending on the plan you are approved for.
Does Magical Smiles approve humm applications? No. humm assesses every application under its own criteria. Ask us for a written quote first so you know the amount you are applying for.