Pay Interest-Free with Humm in Joondalup

Humm can be used for a wide range of dental treatments at Candlewood Dental Centre. Whether you need routine care or more complex procedures, humm provides a flexible payment option to help you manage costs. Here’s how you can use humm for different dental services:

• General Dentistry:
  You can use humm to pay for routine checkups, professional teeth cleanings, and preventive treatments like fluoride applications. These services help maintain your oral health and prevent future dental problems.
• Restorative Treatments:
  If you need fillings, crowns, bridges, or dentures, humm allows you to spread the cost over manageable payments. This makes it easier to restore your smile.
• Orthodontic Care:
  If you’re considering orthodontic treatments such as braces or clear aligners, humm provides a convenient way to manage payments. This allows you to achieve a more affordable, straighter smile.
• Emergency Dental Treatments:
  Unexpected dental issues can arise at any time. Humm allows you to access urgent dental care, such as extractions or treatment for toothaches, without financial stress.

Some treatments may have specific eligibility requirements, depending on the total cost and your chosen humm payment plan.

Yes, humm provides interest-free payment plans, meaning you won’t pay interest on your repayments. However, depending on your plan and repayment schedule, some additional fees may apply. Understanding these fees can help you manage your payments effectively.

1. 1. Establishment Fee:
      If you are a new humm user, you will need to pay a one-time establishment fee. This fee is required when setting up your first payment plan. It helps activate your account and allows you to use humm for your purchases.
   2. Repeat Purchase Fee:
      If you have used humm before, you will be charged a smaller repeat purchase fee instead of the establishment fee. This applies when making additional transactions.
   3. Monthly Account-Keeping Fee:
      A small monthly fee may apply if you choose a longer repayment period, like spreading payments over ten fortnights or more. This fee helps maintain your account throughout your repayment term.
   4. Late Payment Fee:
      If you miss a scheduled payment, humm may charge a late payment fee. This fee encourages timely repayments and helps prevent disruptions to your payment plan.

When you set up your payment plan, all applicable fees are clearly outlined. This helps you understand what to expect before proceeding.

Applying for humm may affect your credit score depending on the type of payment plan you choose. For smaller purchases, humm usually performs a quick check that does not impact your credit score. However, for larger amounts, a more detailed credit assessment will be required, which could leave an enquiry on your credit report.

Your repayment history with humm can also influence your credit score. Making payments on time helps maintain a positive credit standing, while missed or late payments may negatively impact your credit rating. Understanding your financial obligations before committing to a plan is important.