Pay monthly with Humm

Spread the cost of your treatment over 12 months with 0% interest.

With Humm cost of fertility treatment is less of a barrier. Start your fertility journey now.

Apply for Humm
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67%
Success Rate
for patients aged 37 and under*
HFEA-LICENSED
Satellite clinic of ARGC
5.0 STARS
Rating on Google Reviews
450+
Locations in the UK
1,000+
Happy patients
advantages

Why Choose Humm?

Humm offers interest‑free and flexible payment plans that help you split the cost of your fertility treatment into smaller instalments. You can take a loan for a maximum of 13 months, depending on your agreement with Humm.

0 % interest over 12 months

Spread the cost of your treatment over 12 months without paying any interest.

Quick Application

Complete a straightforward digital application in just a few steps.

FCA Regulated

Humm is regulated by the Financial Conduct Authority, giving you added peace of mind.

Easy to Manage

Keep track of simple monthly repayments that fit around your budget.

Digital Process

Apply and manage your plan entirely online, without paperwork.

Seamless Journey

Fit your Humm plan smoothly alongside your treatment plan with Plan Your Baby™.

Is a Humm payment plan right for you?

Check if you meet the basic criteria below, then choose what feels right for you.

Eligibility criteria

Am I Eligible for Humm?

To be eligible for humm, you must meet the following criteria:
You must be at least 18 years old
You must have a regular income of at least £1,000 per month
You must live permanently in the UK and have been a resident for at least 6 months
You must have a UK debit or credit card in your own name
You must have a valid UK ID document, such as a driving licence or passport
Have a good credit history*

*All applicants will be subject to a credit check

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Young woman with curly hair relaxing on couch looking at her phone and smiling slightly.
process

How Our Humm Payment Plans Work

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01

Initial consultation

02

Finalising the treatment plan

03

Application review and approval

04

Finalising the purchase

Book Your Free Consultation

Take the first step towards parenthood today. Our expert team is ready to guide you through your fertility journey with personalised care and support.

WHATSAPP US

Available 24/7

No waiting list

Fast response guaranteed

Book Your Free Consultation
Payment Options

Choose How You’d Like to Pay for Treatment

Fertility Insurance & Benefits
Use your employee fertility coverage. We work with leading fertility benefit providers.
Best for employees covered by Carrot, Progyny and Ben.
Check your employer benefit program
Treatment cost reimbursement
Our team helps maximize coverage
Contact us to verify 
CREDIT CARD
Pay for your treatment with your American Express Card and earn rewards on what you spend.
Best for Amex Cardmembers who want to collect Avios and extra perks.
Collect Avios or Rewards points
Extra Cardmember perks and benefits
Pay securely online
SEE AMEX CONDITIONS

Have a question? WhatsApp Us for quick, clear guidance from our team

Information

Frequently Asked Questions

How do I apply for Humm?

How do I pay for my treatment using Humm?

What is a credit check and how does it impact me?

Can I buy more than one thing with Humm?

Can I pay off my Humm plan early?

What happens if I need to return the goods I have purchased using Humm?

What happens if I miss a payment?

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LIMITED OFFER

Get Your Consultation
Fee Back!

Book a fertility consultation with one of our doctors and receive credit towards your next steps:

£175 back towards fertility treatment when you start within 3 months of your consultation.
£50 back towards Pregnancy Monitoring if you're already pregnant and book a consultation with us.
Applies to IVF, egg freezing, FET, and Assistance with Conception treatments.
Offer available for consultations booked by 31 October.
Terms & Conditions
  • Both offers are available to new patients only, for new consultations booked from 20 October 2026 onwards at the full price of £175.
  • The £175 credit applies towards eligible fertility treatments started within 3 months of the consultation, excluding investigations and Pregnancy Monitoring.
  • Consultations booked at a discounted rate are not eligible for the £175 credit.
  • The £50 credit applies exclusively towards Pregnancy Monitoring.
  • Credits can only be used towards eligible services and cannot be exchanged for cash or refunded.
  • Offers are valid until the advertised promotional deadline.

Book a Call

If you'd like to expedite your appointment or have any questions for us before booking, you can reach us directly via WhatsApp

Initial Free Consultation

Smiling woman with glasses and long blonde hair wearing a white collared shirt against a light background.

Speak to our senior nurse or fertility coordinator

15 min online video consultation

Initial guidance on our approach and treatments

Treatment options overview and next steps

Price

£0

Price

£0

recommended

Fertility Doctor consultation

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Included:

30–45 min online video consultation

Review of your medical history and personal fertility goals

Expert guidance on all available treatment options

Personalised treatment plan

Price

£175

Book a Call

If you'd like to expedite your appointment or have any questions for us before booking, you can reach us directly via WhatsApp

Man with glasses, beard, and striped shirt smiling in a circular avatar photo.

Included:

45 min online video consultation

Review of your medical history and personal fertility goals

Expert guidance on all available treatment options

Personalised treatment plan

Price

£175

£300

Book a Call

If you'd like to expedite your appointment or have any questions for us before booking, you can reach us directly via WhatsApp

Initial Free Consultation

Smiling woman with glasses and long blonde hair wearing a white collared shirt against a light background.

Speak to our senior nurse or fertility coordinator

15 min online video consultation

Initial guidance on our approach and treatments

Treatment options overview and next steps

Price

£0

Price

£0

recommended

Medical Director Consultation

Man with glasses, beard, and striped shirt smiling in a circular avatar photo.

Dr Sami Almusawa

Medical Director and Leading Fertility Consultant

Included:

45 min online video consultation

Review of your medical history and personal fertility goals

Expert guidance on all available treatment options

Personalised treatment plan

Price

£148.75 £175

15% off

Book a Call

If you'd like to expedite your appointment or have any questions for us before booking, you can reach us directly via WhatsApp

Initial Free Consultation

Portrait of a woman wearing a colorful floral hijab and a light beige top against a white background.

Free consultation with our speciality doctor

15 min online video consultation

Initial guidance on our approach and treatments

Treatment options overview and next steps

Price

£0

Price

£0

recommended

Medical Director Consultation

Portrait of a woman wearing a colorful floral hijab and a light beige top against a white background.

Dr. Nora Sahly

Speciality Doctor in Fertility, Sexual and Reproductive Health

Included:

45 min online video consultation

Review of your medical history and personal fertility goals

Expert guidance on all available treatment options

Personalised treatment plan

Price

£175