Whatis Humm Finance?

Humm is a finance provider allowing customers to pay for purchases over time, interestfree.

For more information on Humm, visit: shophumm.com/uk

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Who is eligible for financing?

To apply for an agreement with Humm, you must meet the following eligibility criteria:

• You must be at least 18 years old.
• You must have a regular income of at least £1,000 per month (Humm take intoaccount Personal Independence Payment (PIP) as income).
• You must have been a resident of the UK for at least 6 months.
• You must have a UK debit or credit card in your own name.
• You must have a UK ID document, such as a driving licence or passport.

Please note that meeting the eligibility criteria does not guarantee that your applicationwill be approved, as we assess each application on a case-by-case basis. Our aim is toprovide you with a fair and responsible lending experience that meets your financialneeds while ensuring that you can afford the repayments.

RGK Wheelchairs Limited is a credit broker and not a lender and is authorised andregulated by the Financial Conduct Authority, Financial Services Registration Number954478. We offer credit products from Humm, Humm is a trading style of Humm GroupLimited. Credit is subject to age and status.

What happens if I miss a payment?

In the event of a missed payment, Humm will try to get in touch with you to work together and find an appropriate solution.

Humm will send you an SMS and email notification of the missed payment, and provide options to make the payment. If the payment is not made on the due date, Humm will automatically retry the payment on the next day.

If the second attempt is unsuccessful, a late payment fee of £7 will be charged, and Humm will try to contact you to discuss the missed payment and your financial circumstances.

Humm will make two additional attempts to process the payment from your bank card if we do not hear back from you after our initial attempts, and we will continue to try to contact you.

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Can I pay my loan off early?

You can make extra payments towards your Humm agreement at any time, including paying off your agreement early.

Paying off your Humm agreement early may save you money in interest, and any interest rebate will be applied at the time the payment is made.

To pay off your contract in full or make an ad hoc payment other than your scheduled payment amount, please contact us and we will provide a link where you can make the payment