Michael Hill Flexible Finance Solutions

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.

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.

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.

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.

Availability: Instore & Online

Credit Limit: Pending provider approval

Interest Rate: Credit and lending criteria and fees apply. Prevailing interest rate (currently 29.95%) applies after any interest free term ends.

Payment Terms: Ask in-store for details.

Fees: Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% p.a. / Gem CreditLine 29.95% p.a.) applies after any interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of $2 Gem Visa/$6 Gem CreditLine applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited.

Availability: Instore & Online

Credit Limit: Pending provider approval

Interest Rate: Credit and lending criteria and fees apply. Prevailing interest rate (currently 29.49%) applies after any interest free term ends.

Payment Terms: Ask in-store for details.

Fees: A $55 Gem Visa estb. fee & annual fees ($65 Gem Visa (charged $32.50 half-yearly) / $65 Gem CreditLine (charged $32.50 half-yearly)). Interest rate (currently Gem Visa 29.49% p.a. / Gem CreditLine 29.95% p.a.) applies after interest free term ends. For cash advances, an interest rate of 29.95% p.a. and fees of ($2 Gem Visa/$6 Gem CreditLine) applies. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited.