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.
AODA - Customer Service Accessibility Policy
AODA - Statement of Commitment & IASR-Multi-Year Accessibility Plan
†Offer ends 31 December 2023. Customers must apply instore for Latitude Gem Visa, Credit Line, Latitude GO Mastercard, Buyer's Edge and Humm90, available for approved applicants only. $1,000 minimum finance amount on transactions made with Latitude Gem Visa, Credit Line, Latitude GO Mastercard, Buyer's Edge or Humm90. $99 annual fee payable for Humm90 on application. 14 month deferred payment period term applies to repayments, interest accrual and account fees for Latitude Gem Visa, Credit Line, Latitude GO Mastercard, Buyer's Edge. 15 month deferred payment period term applies to repayments, interest accrual and account fees for Humm90 (excluding the Humm90 $99 annual fee). Repayment obligations and fees apply from the end of the deferred payment period. Credit provided by Latitude Finance Australia ABN 42 008 583 588 ACL no. 392145 and humm Cards Pty Ltd ABN 31 099 651 877 ACL no. 247415. Credit provider T&Cs apply: michaelhill.com.au/finance-options.
Finance Provider | Availability | Min Spend | Credit Limit* | Interest Rate | Payment Terms | Fees | More Information |
|---|---|---|---|---|---|---|---|
 Latitude Interest Free | Instore only | $1,000 | Pending provider approval | Ask in store for details | 14-month interest free | ||
 Humm90 | Instore only | $999 | Pending provider approval | Ask in store for details | 15-month interest free | $99 annual card fee at time of purchase |
*Subject to approval, terms and conditions apply to all pay later options.
Latitude Interest Free
Humm90
*Subject to approval, terms and conditions apply to all pay later options.
†Approved customers only. Minimum purchase and time limits apply. Equal monthly installments. Fees and T&Cs apply. Ask in-store for details.
Any personal information you share with third party payment providers is stored, transferred, and used in accordance with the relevant third party’s privacy and data policies. For more information, please contact the third-party payment provider.
Payment Plan Options
A Little bit of Luxury: Orders up to $3,000
Finance Provider | Availability | Credit Limit* | Interest Rate | Payment Terms | Fees* | More Information |
|---|---|---|---|---|---|---|
 Afterpay | Instore & Online | Up to $3,000 | 0% | 4 equal fortnightly payments |
| |
 ZIP Pay | Instore & Online | Up to $2,000 | 0% | Weekly or monthly payments |
| |
 Humm | Instore & Online | Up to $2,000 | 0% | 2.5 months or 5 months, Weekly or Fortnightly |
|
*Subject to approval, terms and conditions apply to all pay later options
Afterpay
Initial $10 late fee
A further $7 if the payment remains unpaid 7 days after the due date.
A further $7 if the payment remains unpaid 7 days after the due date.
ZIP Pay
When balance owing apply: $9.95 monthly account service fee
If you don't pay the minimum each month, a fee of $5 may be charged 21 days after your contractual due date.
Humm
2.5 months - No monthly fee
5 months - $8 monthly fee, $2 transaction fee
Late fee of $6
*Subject to approval, terms and conditions apply to all pay later options
Big Sparkle: Orders over $1,000
Finance Provider | Availability | Min Spend | Credit Limit* | Interest Rate | Payment Terms | Fees | More Information |
|---|---|---|---|---|---|---|---|
Latitude Interest Free | Instore only | $1,000 | Pending provider approval | 0% | Ask in store for details |
| |
| Instore only | $1,000 | Up to $50,000, Pending provider approval | 0% | $99 annual card fee at time of purchase fee |
| |
ZIP Money | Instore & Online | Up to $13,000 online, Up to $15,000 instore | 0% | Up to 3 years interest free* |
| ||
Humm | Instore & Online | Up to $8,000 | 0% | Fortnightly Payments up to 24 months |
|
*Subject to approval, terms and conditions apply to all pay later options.
Latitude Interest Free
$9.95 monthly account service fee
26.99% interest charged at the end of the plan
New customers must apply and be approved for a Latitude Gem Visa card
Also available on participating Latitude credit cards
See product websites for fees & charges
$99 annual fee
25.99% interest charged at the end of the plan
ZIP Money
Interest bearing, post interest free* period
$9.95 monthly service fee (waived if balanced is paid on time)
Establishment fee $0-$99 (depending credit limit owing)
Humm
$60 establishment fee
$8 monthly fee
Late fee of $6
*Subject to approval, terms and conditions apply to all pay later options.
