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.

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
Availability Instore & Online Instore & Online
Credit Limit* Up to $2000 Up to $1500
Interest Rate 0% 0%
Payment Terms 4 equal fortnightly payments 4 x 25% instalment repayments each fortnight over 6 weeks
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
More Information You can refer to Afterpay NZ Terms of Service here (to link to ZIP NZ page)
Zip Pay & Zip Money | Up to $10,000 Interest Free | $0 Upfront
Find a store    

Long Term Finance

Finance Provider Gilrose Finance
(due Fri 10/9)
Finance Now Qcard
(Humm Hybrid)
Gem Visa
(Latitude)
Gem Creditline
(Latitude)
GEM by Latitude
(Latitude)
Availability Instore Instore Instore Instore Instore Instore
Credit Limit* Pending provider approval Pending provider approval        
Interest Rate   0% 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.      
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 6 months interest free on all Visa purchase $250 and over Ask in-store for details 6 months interest free on all Visa purchase $250 and over
Fees*   $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. $55 establishment fee
$52 annual fee
25.99% pa applies after any interest free term ends.
$55 establishment fee
$50 annual fee
29.95% pa applies after any interest free term ends.
$55 establishment fee
$52 annual fee
25.99% pa applies after any interest free term ends.
More Information   Full Disclosure provided in Finance Now disclosure statement prior to purchase. All finance subject to Finance Now T&C and approval criteria.   Credit provided by Latitude Financial Services Ltd
Gem Visa Credit Card | Interest Free Credit Cards NZ | Gem by Latitude (gemfinance.co.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)
Find a store