Finance & Weekly Payment Policy

1. About this policy

This Finance & Weekly Payment Policy explains how weekly payment and finance options may be displayed or offered on the Kwickshop website. It applies to eligible products including electronics, smartphones, gaming products, furniture, home appliances, power tools and package deals.

This policy is designed to help customers understand the difference between buying a product from Kwickshop and applying for finance from a third-party finance provider.

2. Finance provider

Kwickshop may make finance options available through approved finance providers. Initially, this may include humm90 in Australia.

Finance is provided by the finance provider and not by Kwickshop. The finance provider is responsible for assessing applications, setting approval conditions and administering the customer’s finance account.

• Approved applicants only.
• Eligibility criteria, fees, terms and conditions apply.
• Minimum finance amounts may apply.
• Identity, credit or affordability checks may be required by the provider.
• Kwickshop cannot guarantee approval.

3. About humm90 / humm finance

Kwickshop may offer eligible customers the option to apply for finance through humm90 or humm, where available. humm finance is provided by Once Credit Pty Limited ABN 99 112 319 632, Australian Credit Licence No. 386194, or another relevant humm group entity as stated in the customer’s finance documents.

humm is a third-party finance provider. Kwickshop does not approve finance applications, set credit limits, provide credit, or make lending decisions. Any finance application is assessed by humm based on its own eligibility, verification, credit and lending criteria.

Application approval time

humm states that applications meeting its application requirements may be decisioned within minutes. If humm asks the customer to provide additional documents or information, the application may take an additional 1–2 business days to review after the documents are submitted.

Possible fees and charges

Depending on the finance product, merchant arrangement, loan amount and customer agreement, humm finance may include fees or charges. These may include interest, an establishment fee, monthly loan fee, late payment fee or other applicable charges.

Any weekly payment example shown by Kwickshop is only a general estimate. The customer’s final repayment amount, interest rate, fees, repayment schedule, loan term and total amount payable will be confirmed by humm before the customer accepts the finance agreement.

Customer responsibility

• Customers should check the total amount payable before accepting finance.
• Customers should confirm whether the finance option is interest free, interest bearing or subject to fees.
• Customers must ensure they can meet the scheduled repayments.
• Customers should contact humm directly for questions about approval, repayments, fees, account access, hardship or declined applications.
• Customers should contact Kwickshop for product, order, delivery, refund or warranty questions.

4. Weekly payment examples

Weekly payment examples shown on product pages, banners, advertisements or checkout pages are provided for general information only. They are not a final finance approval, quote or guarantee.

The final weekly repayment amount may vary depending on:

• The final product price at checkout.
• The selected finance term.
• Any establishment fee, annual fee, monthly account fee or other provider charge.
• The finance provider’s approval conditions.
• Any promotional offer, deposit, discount or package deal.

5. Interest free and promotional finance

Where Kwickshop advertises interest free or promotional finance, the offer is subject to the finance provider’s terms, conditions, fees, charges, minimum spend requirements and approval process.

Interest free does not always mean fee free. Customers should check whether annual fees, account fees, late payment fees or other charges apply.

6. Order processing after approval

Kwickshop will generally process an order after finance approval, payment confirmation and stock availability are confirmed.

• Some products may be subject to supplier availability.
• Delivery timeframes may vary by product type and delivery location.
• Bulky items such as furniture or appliances may require special delivery arrangements.
• Kwickshop may contact the customer to verify order or delivery details.

7. Refunds, cancellations and finance orders

If a finance order is cancelled, returned or refunded, this may affect the customer’s finance agreement. Approved refunds may be paid to the finance provider where required.

Customers may still need to contact the finance provider about their account, repayment schedule, fees or remaining balance.

8. Customer responsibility

Customers are responsible for deciding whether a finance product is suitable for their personal circumstances. Kwickshop does not provide personal financial advice.

• Read the provider’s terms before applying.
• Check the full cost over the finance term.
• Understand repayment obligations.
• Contact the finance provider for account or repayment questions.
• Contact Kwickshop for product, order or delivery questions.