One sauna. Three ways to pay.
Up to a year interest-free on the card you already have. Up to three years Interest Free* on a humm90 card. Or the smallest weekly payment, over up to five years, with a humm loan.
0%, no application
Interest Free* for the term
9.99% to 11.99% p.a.
Most of us already pay for our health monthly: the gym, the physio, the studio. A sauna at home is the same habit, only it is yours, every day, for years. A payment plan lets you pay for it the same way, month by month, except this one ends with you owning it.
Answer two questions. We will point at the one that fits.
Pick an answer above and we will point at the option that fits.
Interest-free, on the card you already have
Split the price into 3, 6, 9 or 12 monthly instalments on your Visa, Mastercard or American Express credit card. No application, no credit check, no new account.
- Interest
- 0%
- Fees
- None
- Application
- None
- You need
- The full amount available on your credit card
Interest Free* for longer, on a humm90 card
Apply for a humm90 Mastercard and pay your order off over 6, 12, 24 or 36 months with no interest for the whole term. Pay the monthly figure we show and it is clear before the term ends. humm90's own minimum repayment is lower than that.
- Interest
- Interest Free* for the term
- Fees
- $9.95 a month account fee
- Application
- humm90 card, credit check
- You need
- A humm90 limit that covers the order
The smallest weekly payment
A fixed-rate personal loan from humm, repaid fortnightly over up to five years. Pay it out early any time with no penalty. Built for the bigger order you would rather spread over more years.
- Interest
- 9.99% p.a. to 24 months, 11.99% p.a. from 36
- Fees
- $90 establishment, $9.95 a month
- Application
- humm loan, credit check
- Amount
- $2,001 to $30,000, term set by the amount
The honest comparison.
| Up to 12 monthsSplitit |
6 to 36 months Interest Free*humm90 |
12 months to 5 yearshumm loan |
|
|---|---|---|---|
| Term | 3, 6, 9 or 12 monthly instalments | 6, 12, 24 or 36 months Interest Free* | 12 months to 5 years, fortnightly, term set by the amount |
| Interest | 0% | 0% for the Interest Free* term | 9.99% p.a. to 24 months, 11.99% p.a. on 36, 48 and 60 |
| Fees | None | $9.95 a month account fee | $90 establishment fee and $9.95 a month |
| Application | None | humm90 card application | humm loan application |
| Credit check | No. No new account, nothing new on your credit file | Yes | Yes |
| You need | A Visa, Mastercard or Amex credit card with the full amount available | Approval for a humm90 card with a limit that covers your order | Approval for $2,001 to $30,000 |
| Pay out early | Any time, at no cost | Any time, by paying the card down | Any time, no penalty, and less interest |
| Best for | Keeping it simple | Interest-free for longer | The smallest weekly payment |
The price is the same on every option. Splitit is provided by Splitit Australia. humm90 and humm loans are credit products from the humm group, subject to their approval criteria and terms.
The fine print, in plain English.
Is the price different if I pay this way?
The listed price never changes. Splitit adds nothing. humm90 adds its account fee and the humm loan adds interest and fees, and the calculator shows all of it before you decide.
Which one is cheapest?
Splitit costs nothing beyond the price. humm90 adds the $9.95 monthly account fee. The humm loan adds interest and fees, in exchange for the longest term and the smallest weekly payment. On the loan, a shorter term means less interest. On Splitit the term makes no difference to what you pay.
Do any of these touch my credit file?
Splitit does not. There is no check, no application and no new account. humm90 and the humm loan are credit products, so both involve a credit check and appear on your credit file.
What happens at the end of a humm90 Interest Free* term?
Anything still owing reverts to the humm90 Expired Promotional Rate, currently 28.99% p.a. Pay the monthly figure the calculator shows and there is nothing left to revert.
Why are some loan terms greyed out?
humm caps each term by amount. 36 months is available up to $12,500, 48 months up to $20,000 and 60 months up to $30,000. The cold plunges can take any of the three. Most of the saunas can take 48 or 60, and the Nu-a IV, at $21,000, takes 60. You don't have to put the whole order on the loan. Pay part of it another way and finance the rest, and the shorter terms and the 9.99% rate come into reach.
Who can apply for humm90 or a humm loan?
For humm90 you need to be over 18, a permanent Australian resident and earning over $25,000 a year. For a humm loan you need to be 18 or older, permanently reside in Australia, hold a valid Australian ID and have a regular source of income. Both are subject to the lender's credit assessment.
Can I pay any of them out early?
All three. Splitit through the Shopper Portal at no cost. humm90 by paying the card down. The humm loan at any time with no penalty, and you pay less interest for it.
What if I return my order?
Our Returns and Cancellation Policy applies as normal. Once we approve a refund it flows back through whichever provider you used.
How do I actually start?
Lock in your order with your sauna specialist and tell them how you want to pay. Splitit is a link we send you. humm90 is an online application that takes minutes: on approval humm90 texts you a code to accept your account, then a second code to authorise the purchase, and your card arrives within 10 days. The humm loan is an application with humm, and your specialist points you to it.
Tell your specialist how you would like to pay.
Leave your details and a specialist calls you back with the numbers for your pick, whether that is Splitit, humm90 or a humm loan. The price never changes.
Found—Space is not a credit provider. Splitit instalment plans are provided by Splitit Australia Pty Ltd on eligible credit cards, and your card's standard terms and conditions apply. Credit is subject to each provider's approval criteria, fees, charges, terms and conditions. Prices shown are current list prices in AUD including GST. Repayment figures are rounded and indicative, and your exact schedule is confirmed by the provider before you commit to anything.
*humm90: Approved applicants only. Fees and charges apply, including a monthly account fee of $9.95 that applies on account opening. T&Cs and minimum finance amount applies ($1,100 for 36 months Interest Free). For Long Term Interest Free purchases: Minimum monthly payments must be made by the due date each month, otherwise interest at the humm90 Expired Promotional Rate (currently 28.99% p.a.) applies. For other purchases: Up to 110 days interest free and payment holiday can apply (excluding purchases we treat as cash advances), after which minimum monthly payments are required. Interest at the humm90 Purchase Rate (currently 27.30% p.a.) applies if purchase amount is not repaid within Interest Free Period or if other Interest Free Criteria are not met. All fees, charges and interest rates are current as at 6 March 2026 and subject to change, see humm90.com/au. Credit provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
humm loan: Approval subject to credit assessment criteria. Fees, charges and interest if applicable may vary depending on the merchant and amount of credit and will be detailed in your loan schedule. Please review your loan schedule and the product terms and conditions carefully before accepting. Credit provided by Once Credit Pty Limited (ABN 99 112 319 632, Australian Credit Licence No. 386194), a subsidiary of humm group limited. Credit is provided subject to the Terms and Conditions.
^humm loan: Comparison rate 12.74% p.a. is based on an unsecured loan of $30,000 over 5 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.