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Michael Hill Finance Options

Michael Hill Flexible Finance Solutions

At Michael Hill we offer flexible payment options so you can take home the piece you want with the peace of mind you deserve. Options include no-deposit and no-interest depending on the option you select.

LONG TERM FINANCE

Lending criteria, fees, terms and conditions apply including $55 establishment fee and $65 annual fee ($32.50 half-yearly). Standard interest rate (currently 29.49% p.a.) applies after interest free term ends.

Futher information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited.

Minimum Monthly

Availability: Instore & Online

Min Spends:
$300 for 6 Month Plan
$499 for 12 & 18 month plan
$999 for 24 and 36 month plan

Credit Limit: Pending credit provider approval

General: Lending criteria, T&Cs and fees apply. Exclusions may apply.

Interest Rate: Standard interest rate (currently 29.49%) applies after an interest free term ends

Payment Terms: Minimum spend applies. Minimum Monthly payment of 3% of the monthly outstanding balance or $20 (whichever is greater).

Fees: $55 estb. fee & $65 annual fee ($32.50 half-yearly). Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited.

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Equal Monthly

Availability: Instore & Online

Min Spends:
$999 for 24 & 36 month plan
$,1999 for 48 month plan
$2,999 for 50 & 60 month plan

Credit Limit: Pending credit provider approval

General: Lending criteria, T&Cs and fees apply. Exclusions may apply

Interest Rate: Standard interest rate (currently 29.49%) applies after an interest free term ends.

Payment Terms: Minimum spend applies. Equal monthly instalments required. Amount payable (excluding fees) will be shown on your monthly statement.

Fees: $55 gem visa estb. fee & $65 annual fee ($32.50 half yearly). Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited.

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Short Term Finance, up to $4,000

Michael Hill x AfterPay

AfterPay

Availability: Instore & Online

Credit Limit: Spend up to $4,000

Payment Terms: Pay in 4 equal fortnightly instalments

Fees: Late fees are capped at $68 or 25% of your order total (whichever is lower).

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Long Term Finance

Michael Hill x Gilrose Finance

Gilrose Finance

Availability: Instore

Credit Limit: $500 - $200,000, pending provider approval

Interest Rate: Interest free for 1st 12 months, then 28.50% (Total Finance Rate approx 9%)

Payment Terms: Ask in-store for details

Fees: $98 booking fee, $5.95 monthly account fee, plus credit check, verification and security fees apply. Additional fees, T&Cs apply.

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Michael Hill x Finance Now

Finance Now

Availability: Instore

Credit Limit: Pending provider approval

Interest Rate: Interest free for 12 months over a total term of 36 months on purchases over $195. Interest of 25.95% p.a. accrued on outstanding balance from start of interest-bearing term.

Payment Terms: 12 months interest free with 36 months to pay with weekly or monthly payment options available.

Fees: $75 booking fee and $2.95 monthly service fee applies. Optional Payment Protection Insurance (PPI) is available.

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Michael Hill x Q Mastercard

Q Mastercard

Availability: Instore

Credit Limit: Pending provider approval

Interest Rate: Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period.

Payment Terms: *Interest Free terms and No Payments and No Interest terms are available on Long Term Finance (LTF) purchases for a limited time only. Minimum purchase and/or minimum payment amounts may be required and exclusions may apply. See instore for details.

Fees: *Lending criteria, $50 annual Account Fee, fees, T&Cs apply. $55 Establishment Free applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions.

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Michael Hill x Q Card

Q Card

Availability: Instore

Credit Limit: Pending provider approval

Interest Rate: Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period.

Payment Terms: *Interest Free terms and No Payments and No Interest terms are available on Long Term Finance (LTF) purchases for a limited time only. Minimum purchase and/or minimum payment amounts may be required and exclusions may apply. See instore for details.

Fees: *Lending criteria, $50 annual Account Fee, fees, T&Cs apply. $55 Establishment Free applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions.

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FREQUENTLY ASKED QUESTIONS

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