Instore Finance

Interest Free

Approved customers only. Terms and conditions, fees and charges apply. Minimum purchase and time limits apply. See staff in-store for details.

†Not available online. Available on Fixed Instalment Plans & Purchases for a Fixed Instalment Period of 36 Months. Fixed instalment rate is 0%. Minimum spend $2000. Annual Account fee of $50 applies. Existing Cardholder fee - $35 Advance. New Cardholder fee - $55 Establishment. Offer available 2 - 25 December 2019. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Limited

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 three (3) 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.


  • Apply at your nearest Michael Hill store
  • Get a response in 60 seconds
  • Start shopping straight away
  • Pay no interest during the promotional period