Instore Finance

Interest Free

† 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.


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


Zip $100 off $500+ Coupon Code Promotion


Get $100 off your Zip purchase over $500 when you shop at Michael Hill using Zip in store or online at (“Participating Merchant”) between 12:01am Wednesday, 28th July 2021 and 11:59pm Wednesday, 11th August 2021 (“Promotion Period”). To receive the $100 Off Coupon Code Discount (“Promotion”) your total purchase must be valued at $500 or more and you must select Zip as your payment method at checkout online or shop in store with the Zip mobile app. Only one Coupon Code can be applied per customer during the promotion period.


To receive the Promotion when shopping in store, your total cart must be valued at $500 or more. You must first download the Zip mobile app and successfully apply for or login to your Zip account. New applications will require a valid photo ID, a credit check will be undertaken and is subject to approval. Once you are logged in to your Zip account, navigate to the “in store” section in the mobile app and create an in store code where you will see a Coupon Code entry box where you must enter the Coupon Code [ZIP100] prior to having your in store code scanned at checkout.


To receive the Promotion when shopping online, your total cart must be valued at $500 or more, you must select Zip as your payment method at checkout and successfully complete your transaction. New Zip customer applications will require a valid photo ID, a credit check will be undertaken and is subject to approval. Once you select Zip as your payment method, you will see a Coupon Code entry box where you must enter the Coupon Code [ZIP100] on the Zip purchase confirmation screen.


1. To participate in this promotion you must be a New Zealand resident aged 18 years or over and be making your transaction using the Zip payment method.

2. The Promoter is Zip Co NZ Limited, 33-45 Hurstmere Road, Takapuna, Auckland (“Promoter”). The Promoter can be contacted on 09 489 8144.

3. You agree the Promotor is entitled to use your personal information in order to assess your suitability for the services, including the verification of your identity and your ability to meet your obligations under any Instalment Plan and that we may provide information to third parties, including credit bureau agencies and in accordance with our Privacy Policy for this purpose.

4. The Promoter reserves the right to decline your application for a Zip account at its discretion, including if the Promoter cannot adequately verify your identity or you do not meet our acceptance criteria.

5. Entry into the Promotion is deemed to be acceptance of these terms and conditions, the terms and conditions with respect to the entry into an instalment plan and Zip’s Privacy Policy. All details and instructions form part of the terms and conditions of the promotion.

6. In the event of a dispute the Promoter’s decision is final and binding and no correspondence will be entered into.

7. The Promoter reserves the right to change these Terms and Conditions without prior notice and at its discretion or to extend, postpone or discontinue the Promotion at any time.

8. The Promoter may refuse to award the Promotion to any participant if, in the Promoter’s sole opinion, that participant has violated these Terms and Conditions or has gained an unfair advantage in participating in the Promotion.

9. The Promoter adheres to all applicable privacy laws and regulations. Our Privacy Policy can be viewed here. Participants in the Promotion agree that the Promoter (and its agents and contractors) may collect and retain their personal information in order to conduct the Promotion and for future promotions carried out by the Promoter. Participants have the right to request access to their personal information held by or on behalf of the Promoter, and to update or remove any such information. All such requests should be directed to the Promoter in writing at the address set out above.

10. The Promoter shall not be liable, except for any liability that cannot be excluded by law, for any direct, indirect, special, or consequential loss, damage, or personal injury (whether physical or mental) in connection with this Promotion, any products purchased and their use by a winner.

11. This Promotion is run by Zip Co NZ Limited in conjunction with the Participating Merchant.

12. These terms and conditions are governed by the laws of New Zealand.