How Humm Works

1. What is Humm?

  • Humm is a retail instalment payment plan facility which allows consumers to spread the cost of payments over a number of months.
  • CMIT has chosen Humm as its partner for instalments to allow students to spread course fees over their preferred time period.
  • Humm is based in Dublin, regulated by the Central Bank of Ireland, and underwritten by FlexiFi Europe Limited.

2. Payment Options

  • For course fees up to €499, you can choose to pay (a) interest-free over 3 monthly instalments (with no application fee) – with the first instalment paid on purchase, (b) interest-free over 5 fortnights (with no application fee), or (c) over 6 months (application fee €5) and interest rate of 2.99%.
  • For course fees between €500 and €999, you can choose to pay (a) over 6 months (application fee €10) with an interest rate of 4.99%, or (b) over 12 months (application fee €12) with an interest rate of 4.99%.
  • For course fees over €1000, you can choose to pay (a) over 12 months (application fee €40) with an interest rate of 4.99%, or (b) over 18 months (application fee €40) with an interest rate of 4.99%.
  • Humm Terms and Conditions apply.

3. How it works

  • Complete the form on this page.
  • We will then send you a quotation by email. 
  • Complete the Humm application form and apply for the course fees.
  • Once Humm have all the required documentation, the application decision turnaround time will usually be within 24 hours. 
  • Humm will let you and CMIT know the decision.
  • CMIT will send you course login details.
  • Early repayments can be made with no penalty.

4. Who can apply?

  • You must be over 18.
  • You need a PPS Number and proof of Address.
  • You must be an Irish citizen or a permanent resident of Ireland.
  • You must earn a minimum taxable Income of €1500+ per month.
  • You must have a current debit / credit card and a good credit history. 

Humm Request Form

If you wish to pay by instalments please complete this form

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