Start your fertility treatment now, with the flexibility of paying for it over 12 months interest-free* with humm90

At Rainbow Fertility, we believe everyone should have the opportunity to grow their family. That is why we are proud to offer flexible payment plans with humm90.

How it works

• STEP 1: Meet with your fertility specialist who will develop a personalised treatment plan.
• STEP 2: Receive your personalised fee estimate for your treatment. Once your specialist has completed your treatment plan you will receive from patient services a customised fee estimate for your treatment.
• STEP 3: Advise patient services that you wish to apply for a Humm90 account, and they will send you a link to the application form.  This is a quick and easy process.  If you are approved, you will have access to the funds for use for your treatment immediately.

In order to streamline the process, please see the patient services staff at the clinic, who will assist you with your application via the Humm90 portal.

Please note that humm90 is only available for Rainbow Fertility fees and cannot be used to pay for external provider fees such as hospital, anaesthetist, pharmacy, and specialist fees.  

For more information head to

For more information on our other payment options, please visit our Payment Options page.

*Approved applicants only. Fees and charges apply, including a $99 annual fee that applies on account opening. Applicants who enter their Credit Contract on or after 1 October 2024 will be charged a monthly fee of $9.95 instead of an annual fee, and existing customers will be transitioned on a rolling basis. T&Cs and minimum finance amount applies. 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 26.49%) 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 26.30%) 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 June 2024 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.