Instore Finance
† 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 $2,000
| Finance Provider | Afterpay | Zip Pay | Humm |
|---|---|---|---|
| Availability | Instore & Online | Instore & Online | Instore |
| Credit Limit* | Up to $2000 | Up to $1500 | Up to $10,000 pending provider approval |
| Interest Rate | 0% | 0% | Lending criteria, $10 Late fee, T&Cs apply. An Establishment fee of $20 and $2.50 monthly account fee applies to humm Big Things only |
| Payment Terms | 4 equal fortnightly payments | 4 x 25% instalment repayments each fortnight over 6 weeks | Ask instore or click below for full T&Cs |
| Fees* | 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. | 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 | Establishment fee $20. $2.50 monthly account fee. $10 late fee |
| More Information | Please refer to Afterpay NZ Terms of Service here | Please refer to ZIP NZ info here Zip Pay & Zip Money | Up to $10,000 Interest Free | $0 Upfront |
Terms and conditions | Humm New Zealand (shophumm.com) |
| Find a store |
Long Term Finance
| Finance Provider | Gilrose Finance | Finance Now | Q Mastercard | Q Card | Gem Visa | Gem Creditline |
|---|---|---|---|---|---|---|
| Availability | Instore | Instore | Instore | Instore | Instore | Instore |
| Credit Limit* | $500 - $200,000 Pending provider approval | Pending provider approval | Pending provider approval | Pending provider approval | Pending provider approval | Pending provider approval |
| Interest Rate | Interest free for 1st 12 months, then 19.95% (Total Finance Rate approx 9%) | 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. |
Lending criteria, $50 Annual Account Fee, fees, T&Cs apply. Standard Interest Rate (currently 25.99% p.a.) applies to any outstanding balance at end of interest free period. | Lending criteria, $50 Annual Account Fee, fees, T&Cs apply. Standard Interest Rate (currently 25.99% p.a.) applies to any outstanding balance at end of interest free period. | Credit and lending criteria and fees apply. Prevailing interest rate (currently 25.99%) applies after any interest free term ends. | Credit and lending criteria and fees apply. Prevailing interest rate (currently 29.99%) applies after any interest free term ends. |
| Payment Terms | Ask in-store for details | 12 months interest free with 36 months to pay with weekly or monthly payment options available. | Ask in-store for details | Ask in-store for details | Ask in-store for details | Ask in-store for details |
| Fees* | $65 booking fee, $4.75 monthly account fee, plus credit check, verification and security fees apply. Additional fees, T&Cs apply. | $55 booking fee and $1.80 monthly service fee applies. Optional Payment Protection Insurance (PPI) is available. | $50 Annual Account Fee applies. $55 Establishment Fee or $35 Advance Fee applies to Long Term Finance Purchases. | $50 Annual Account Fee applies. $55 Establishment Fee or $35 Advance Fee applies to Long Term Finance Purchases. | $55 establishment fee $52 annual fee 25.99% pa applies after any interest free term ends. |
$50 annual fee 29.95% pa applies after any interest free term ends. |
| More Information | 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 |
Things To Know - Q Mastercard | Key Info – Q Card is one of the Best Credit Card alternatives | 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) |
| Find a store |