36 months interest free
Pay off your system over 36 months with no interest, as long as every repayment is made on time.
Finance
36 months interest free
Spread the cost of your new air conditioning with Humm90. No deposit needed up to $30,000, and pre-approval with no obligation.
New air conditioning now, paid off over 36 months
Interest free with Humm90, arranged through Mouritz
A new system is a big purchase. With Humm90 you can have it installed now and pay it off over 36 months, with no interest.
- No deposit up to $30,000, subject to approval
- Apply online in about 15 minutes, with no obligation
- Every repayment we show includes the $9.95 monthly account fee
Work out your repayments below, or get an instant price for your home first.
Work out your repayments
Enter the price of your system to see the weekly repayment over 36 months interest free with Humm90. Every figure includes the $9.95 monthly account fee.
Humm90 finances $250 to $30,000.
Your repayment
$66a week
Over 36 months interest free
- Interest free for
- 36 months
- Financed
- $10,000
- Account fees over 36 months, included
- $358.20
36 months interest free with Humm90, including the $9.95 monthly account fee. Approved applicants only. Fees, charges and terms apply.
With Humm90
What you get
No deposit
Finance from $250 to $30,000 with no deposit, subject to approval.
Pre-approval, no obligation
Find out what you're approved for before you decide. Being approved doesn't commit you to anything.
Apply online
A secure online application that takes about 15 minutes, on your own or with a partner.
Fixed repayments if you want them
Humm90's optional Fixed Instalment Plan keeps every repayment the same, so you know exactly what you'll pay.
Pay it off early
Clear the balance whenever you like, with no early payout penalty.
How it works
Step 1
Get your price
Use our instant estimator, or book a free site assessment for a written quote.
Step 2
Apply with Humm90
Apply online in about 15 minutes. Pre-approval doesn't commit you to going ahead.
Step 3
We install your system
Once you've accepted your quote and you're approved, we book the install at a time that suits you.
Step 4
Repay over 36 months
Pay it off interest free over 36 months, plus the $9.95 monthly account fee. Pay extra or clear it early at any time.
Why interest free beats other credit
For a household purchase like air conditioning, Humm90 is usually a better fit than a personal loan, a credit card or redrawing your home loan.
With Humm90
- 0% interest for the full 36 months, when repayments are made on time
- No compounding interest
- No impact on your home loan or equity
- Fast approval, with no valuations or paperwork delays
- No early payout penalty
Good to know
- A $9.95 monthly account fee applies ($119.40 a year). Every repayment we show includes it.
- Humm90's minimum repayment is 3% of the balance or $30. Paying only that won't usually clear the balance in 36 months, so our figures show the fixed instalment that does.
- Interest applies to any balance left after the interest-free period.
- You get a Humm90 Mastercard. Use it only for your air conditioning to keep the full interest-free benefit.
- Read the Credit Guide carefully, and ask us if anything is unclear.
Finance questions
There's no interest for 36 months. Humm90 charges a $9.95 monthly account fee ($119.40 a year), and every repayment figure on our website includes it.
No. Humm90's minimum monthly repayment is 3% of the balance or $30, whichever is greater, and it falls as the balance does. The figures we show are fixed instalments that clear the balance within 36 months, plus the account fee. Paying only the minimum won't usually clear it in time, and interest applies to anything left after the interest-free period. Humm90's optional Fixed Instalment Plan keeps your repayments fixed.
From $250 to $30,000. If your system costs more, you pay the difference as a deposit.
Not up to $30,000, subject to approval.
No. Being approved doesn't commit you to going ahead.
Use the Apply With Humm90 button. The online application takes about 15 minutes, and single or joint applications are welcome. Uploading a secure bank summary can speed up approval.
Yes, at any time, with no early payout penalty.
Approved customers receive a Humm90 Mastercard. We recommend using it only for your air conditioning purchase, so you keep the full benefit of the interest-free period.
Humm90 documents
Read the Credit Guide carefully before you apply, and ask us if anything is unclear.
- Conditions of Use and Credit Guide (opens in a new tab)
- Product Fees and Charges (opens in a new tab)
- Key Facts Sheet (opens in a new tab)
Humm90 is provided by humm Cards Pty Ltd ABN 31 099 651 877, Australian Credit Licence 247415. Approved applicants only. Lending criteria, fees, charges and terms apply, including a monthly account fee of $9.95. Repayments shown are fixed instalments that clear the balance within the interest-free period, plus the account fee. Paying only the minimum monthly payment will not usually repay the balance before the interest-free period ends, and the standard Humm90 rate applies to anything still owing after it. Rates and fees are subject to change.
Browse solutions
Choose the best next step for your home
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Ducted reverse cycle air conditioning heats and cools your whole home from one system, so you don’t need separate heating and cooling. Zone control sends air only to the rooms you’re using. We work out how many zones you need from the size and layout of your home and how you use it.
Ducted evaporative
A ducted evaporative system from Mouritz cools your home with fresh outside air, and its main advantage is low running costs. It’s cooling only, and works best with a few windows or doors open so the cooled air can flow through the house.
Split systems
A split system heats and cools a room or area, so it suits homes that don’t need whole-home air conditioning. Each one has an outdoor unit and an indoor wall-mounted unit. Split systems work for one room or several, and keep purchase, installation and running costs low.
Solar
A solar power system from Mouritz gives you more control over your energy use and helps reduce your power bills. We design and install panels around your home and energy needs, and battery storage lets you use stored power when you need it. Buying air conditioning too? We offer extra discounts when you buy both together.
Solar options
Request a Solar QuoteDucted gas heating
Ducted gas heating from Mouritz warms your whole home through ducts and vents, with zoning so you only heat the rooms you need, which can help reduce your energy bills. Installation can be more involved than other heating systems, but you get even, efficient warmth throughout the house.
Whole-home heating
Find Out More about Ducted gas heatingService & repairs
Regular servicing keeps your air conditioning running efficiently, which saves on energy costs. Our experienced service team responds promptly to breakdowns and maintenance issues. We recommend servicing most systems once a year.
Next step
Ready to spread the cost of your new system?
Start with a quote and the Mouritz team can help confirm what suits your home.