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, for up to four years depending on the option you select.
5 Offer ends 31 December 2023. Customers must apply instore for Latitude Gem Visa, Latitude Gem Creditline, Gilrose or Q-Card, available for approved applicants only. $1,000 minimum finance amount on transactions made with Latitude Gem Visa, Latitude Gem Creditline or Q-Card. $3,000 minimum finance amount on transactions made with Gilrose. 14 month deferred payment period term applies to repayments, interest accrual and account fees for Latitude Gem Visa, Latitude Gem Creditline and Gilrose. 18 months deferred period term applies to repayments, interest accrual (27.99%) and account fees ($50 yearly fee) for Q Card & Q Mastercard. Repayment obligations and fees apply from the end of the deferred payment period. Credit provided by Latitude Financial Services Limited, Columbus Financial Services Limited, Consumer Finance Limited and Gilrose Finance Company Limited. Credit provider T&Cs apply: michaelhill.co.nz/instore-finance.
Finance Provider | Availability | Credit Limit* | Interest Rate | Payment Terms | Fees | More Information |
|---|---|---|---|---|---|---|
Gilrose Finance | Instore | Pending provider approval | 50-month Hybrid (14-months interest free) | 50-month Hybrid (14-months deferred) | Ask in-store for more details | |
Q Card | Instore | Pending provider approval | 18-month interest free | 18-month deferred | Ask in-store for more details | |
Latitude | Instore | Pending provider approval | 14-month interest free | 14-month Deferred | Ask in-store for more details |
*Subject to approval, terms and conditions apply to all pay later options.
*Subject to approval, terms and conditions apply to all pay later options.
† Approved customers only. Minimum purchase and time limits apply. Equal monthly instalments. Fees and T&Cs apply. Ask in-store for details.
Flexible Options Designed for You At Michael Hill, we offer flexible payment plans so you can take home the piece you want with the peace of mind you deserve. Most of our plans require no up-front deposit and some plans offer no interest options for up to four years. As an approved customer, you can have access to these plans at any of our locations worldwide thanks to our trusted credit partners. We’ll work with you to get you the piece you want, on the terms that are right for you. Easy Options for Every Choice You’ve found that special piece, and it’s at a price that delights. Make it yours! With our layby program, you can put the item aside with a 25% deposit and a small administration fee, and it’s yours to take home within three months. Available at selected locations around the world, just ask a Michael Hill expert how we can help you start the process today. 0% Interest Payment Plans Interest free is the smarter way to pay for things you really want today. You can manage your payments over time, without paying any interest during the interest free period. Simply:
Apply at your nearest Michael Hill store
Start shopping straight away
Pay no interest during the promotional period
A little bit of luxury: Up to $3,000
Finance Provider | Availability | Credit Limit* | Interest Rate | Payment Terms | Fees* | More Information |
|---|---|---|---|---|---|---|
 Afterpay | Instore & Online | Up to $3000 | 0% | 4 equal fortnightly payments | If a payment is not processed on or before the due date, late fees will apply – initial $10 late fee, and a further $7 if the payment remains unpaid 7 days after the due date | Please refer to Afterpay NZ Terms of Service here |
 ZIP Pay | Instore & Online | Up to $1500 | 0% | 4 x 25% instalment repayments each fortnight over 6 weeks | Late fees only apply where a scheduled payment is missed. An $8 late fee applies and a further $8 for every week it is outstanding, capped at $40 | Please refer to ZIP NZ info here Zip Pay & Zip Money | Up to $10,000 Interest Free | $0 Upfront |
*Subject to approval, terms and conditions apply to all pay later options.
Afterpay
Please refer to Afterpay NZ Terms of Service here
ZIP Pay
Please refer to ZIP NZ info here Zip Pay & Zip Money | Up to $10,000 Interest Free | $0 Upfront
*Subject to approval, terms and conditions apply to all pay later options.
Long Term Finance
Finance Provider | Availability | Credit Limit* | Interest Rate | Payment Terms | Fees | More Information |
|---|---|---|---|---|---|---|
Gilrose Finance | Instore | $500 - $200,000 Pending provider approval | Interest free for 1st 12 months, then 19.95% (Total Finance Rate approx 9%) | Ask in-store for details | $65 booking fee, $4.75 monthly account fee, plus credit check, verification and security fees apply. Additional fees, T&Cs apply. | Please refer to further information on rates and fees here |
Finance Now | Instore | Pending provider approval | Interest free for 12 months over a total term of 36 months on purchases over $195. Interest of 19.95% p.a. accrued on outstanding balance from start of interest-bearing term. | 12 months interest free with 36 months to pay with weekly or monthly payment options available. | $55 booking fee and $2.95 monthly service fee applies. Optional Payment Protection Insurance (PPI) is available. | Full Disclosure provided in Finance Now disclosure statement prior to purchase. All finance subject to Finance Now T&Cs and approval criteria. Finance Now Card FAQs | Finance Now NZ |
Q Mastercard | Instore | Pending provider approval | Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 27.99% p.a.) applies at the end of LTF Interest Free Period. | *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. | *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. | |
Q Card | Instore | Pending provider approval | Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 27.99% p.a.) applies at the end of LTF Interest Free Period. | *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. | *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. | |
Gem Visa | Instore | Pending provider approval | Credit and lending criteria and fees apply. Prevailing interest rate (currently 28.99%) applies after any interest free term ends. | Ask in-store for details | $55 annual fee (charged $27.50 half yearly) 28.99% pa 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 Ltd Gem CreditLine Card | Gem by Latitude (gemfinance.co.nz) |
Gem Creditline | Instore | Pending provider approval | Credit and lending criteria and fees apply. Prevailing interest rate (currently 29.95%) applies after any interest free term ends. | Ask in-store for details | $55 annual fee (charged $27.50 half yearly) 29.95% pa applies after any interest free term ends. | Credit provided by Latitude Financial Services Ltd Gem by Latitude | New Zealand Loans & Credit Cards (gemfinance.co.nz) |
*Subject to approval, terms and conditions apply to all pay later options.
Please refer to further information on rates and fees here
Full Disclosure provided in Finance Now disclosure statement prior to purchase. All finance subject to Finance Now T&Cs and approval criteria. Finance Now Card FAQs | Finance Now NZ
Credit provided by Latitude Financial Services Ltd Gem CreditLine Card | Gem by Latitude (gemfinance.co.nz)
Credit provided by Latitude Financial Services Ltd Gem by Latitude | New Zealand Loans & Credit Cards (gemfinance.co.nz)
*Subject to approval, terms and conditions apply to all pay later options.