Shopping with MCD just got easier
With humm, you can buy now and pay later in store or online by splitting your payments*.
You can apply for humm online, or ask in-store for more information. You can also find out more about how humm works here and via the Humm Help Centre.
*Lending criteria, fees and T&Cs apply.
Pay with Humm in 3 easy steps
Have Humm Approval
Have your mobile ready as you will need to provide your humm acceptance code to completethe purchase.
If you do not have an approval, you will need to apply for before going in-store.
Shop with MCD
Visit either our Naul or Coldwinters branch and choose the Shed, Summerhouse, Garden Room or Furniture you would like
Let our team know that you would like to pay with humm.You can use your full approval or part pay with humm.
Complete your purchase
Our experienced team will run through the steps with you to ensure your sale goes smoothly!
A flexible way to pay.
The offered rates and terms from Humm are flexible depending on the amount you need.
€80 – €499.99
Pay fortnightly or monthly
€500 – €999.99
Pay over 6 – 12 months
€1000+
Pay over 24 – 72 months
Frequently asked questions about Humm
Wondering how the sevice works? Confused about how it can improve your links?
Dive into our FAQ for more details
Can I change the terms of my contract?
After the agreement is settled, unfortunately Humm are not able to amend the details on it. You will have the option at the time of purchase to view the terms before you complete the purchase both in store with the retailer sales representative.Once you accept the terms you will have an option of a 14 days cooling off period to cancel the order with the retail (see cancellation process details in our FAQ’s for further details).
What documents should I have ready before applying to Humm?
What documents should I have ready before I apply?1) ID:
• Passport or
• Irish Driving License
2) As proof of earnings / PPS Number verification, Humm 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
3) Bank statements within the last 3 months showing a minimum of 35 days transactions.
Who is 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 €1,500 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.
When is the first payment due?
You can choose your first payment date within 31 days of the purchase date (best to choose a date around expected income as the payment date may not be changeable in the future).What is the minimum/maximum amount I can finance?
For Humm orders, the minimum amount that can be financed is €80.00. The maximum amount that can be financed is €30,000.Can I pay off part of my loan early and would there be any penalties?
Yes, you can log into the Humm customer portal and pay the finance off early. If you go onto the “make a once-off payment” option on the portal, it allows you to pay off the finance early. You can do this as many times as you like. There would be no penalties for paying this off early and you would not be charged any more interest.Can I change the debit/credit card on the account?
Yes, this can be changed through the Humm customer portal.What are the contact details for Humm?
Humm can be contacted by phone at (01) 9609601. If you would like to make an enquiry through email, they can be contacted through here: https://www.shophumm.com/ie/contact-us and they are also available to contact on social media (Facebook & Instagram).MCD, It's Built to Last
Specialists in the design, manufacture and installation of superior quality garden rooms, complete with great service, at the best possible price.
Coldwinters Showroom
D11 VHE1
(01) 804 1111
Naul Showroom
K32 YV74
(01) 841 9976
