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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.

† 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

Find a Store

A little bit of luxury: Up to $3,000

Finance Provider
Availability
Credit Limit*
Interest Rate
Payment Terms
Fees*
More Information
Afterpay logo

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 logo

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

*Subject to approval, terms and conditions apply to all pay later options.

Finance Provider
Afterpay logo

Afterpay

Availability
Instore & Online
Credit Limit*
Up to $3000
Interest Rate
0%
Payment Terms
4 equal fortnightly payments
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
More Information

Please refer to Afterpay NZ Terms of Service here

Finance Provider
Zip Pay logo

ZIP Pay

Availability
Instore & Online
Credit Limit*
Up to $1500
Interest Rate
0%
Payment Terms
4 x 25% instalment repayments each fortnight over 6 weeks
Fees*
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
More Information

*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 28.50% 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 28.50% 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 29.49%) applies after any interest free term ends.
Ask in-store for details
$55 annual fee (charged $27.50 half yearly) 29.49% 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. 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 by Latitude | New Zealand Loans & Credit Cards (gemfinance.co.nz)

*Subject to approval, terms and conditions apply to all pay later options.

Finance Provider
Gilrose Finance
Availability
Instore
Credit Limit*
$500 - $200,000 Pending provider approval
Interest Rate
Interest free for 1st 12 months, then 19.95% (Total Finance Rate approx 9%)
Payment Terms
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.
More Information

Please refer to further information on rates and fees here

Finance Provider
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 19.95% 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
$55 booking fee and $2.95 monthly service fee applies. Optional Payment Protection Insurance (PPI) is available.
More Information

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

Finance Provider
Q Mastercard
Availability
Instore
Credit Limit*
Pending provider approval
Interest Rate
Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 28.50% p.a.) applies 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.
Finance Provider
Q Card
Availability
Instore
Credit Limit*
Pending provider approval
Interest Rate
Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate (both 28.50% p.a.) applies 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.
Finance Provider
Gem Visa
Availability
Instore
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
$55 annual fee (charged $27.50 half yearly) 29.49% 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.)
More Information

Credit provided by Latitude Financial Services Ltd Gem CreditLine Card | Gem by Latitude (gemfinance.co.nz)

Finance Provider
Gem Creditline
Availability
Instore
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
$55 annual fee (charged $27.50 half yearly) 29.95% 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
More Information

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.