In order to make a purchase through humm, you must have a humm account and your approved amount to spend- which is agreed when completing the application process. In order to make a purchase through humm, you must have a humm account and your approved amount to spend- which is agreed when completing the application process. You might be required to complete the first payment at the time of purchase. The card used to make this payment will then be used for the recurring payments to service the Loan Agreement.