Michael Hill Flexible Finance Solutions

^Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we’ll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878. Visit zip.co/au/zip-pay to find out more.

*The interest free period is the maximum period of time when no interest is charged on the purchase. The availability of the interest free period for a purchase will depend on the purchase amount, the minimum monthly repayment and account status. Minimum monthly payments are required and vary depending on your closing balance at the end of each statement period. Minimum monthly repayments may require repayment of the purchase prior to the expiry of the maximum interest free period. In other cases, paying only the minimum monthly repayment may not repay the purchase in the interest free period. Any purchase amount outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. Zip Money is available to approved applicants and subject to completion of a satisfactory credit assessment. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms and Conditions apply and are available on application. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.

+Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,000 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 13.70% p.a as at 1 April 2026. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month. Interest and other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.

†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.

Yes, you can finance an engagement ring or other jewellery purchased from Michael Hill. We offer flexible financing options for engagement rings, allowing you to spread the cost of your diamond ring over manageable payments on a schedule that works for you.

At Michael Hill, you can shop for the perfect engagement ring with interest free financing†. Pay for your engagement ring over time without accruing interest charges (subject to approval and applicable fees).

We recommend exploring our engagement ring financing options to find a plan that suits your budget and timeline.

Michael Hill offers a variety of finance options, including no-deposit and no-interest for up to five years. Afterpay, Zip Pay, Latitude Gem Visa Card, Humm and Latitude Interest Free are all financial providers that Michael Hill offers.

Afterpay offers interest free fortnightly payments for orders up to $3,000.

• Zip Pay offers interest free weekly or monthly payments for orders up to $1,000.

• Latitude Gem Visa Card offers interest free financing for orders over $1,000. There are several Latitude Gem Visa Card options including 14 month, 24 month and 60 month interest free periods.

• Humm offers monthly financing for orders over $1,000 up to $8,000.

Account establishment and maintenance fees may apply. Any other charges will be made clear before your application is approved. Interest will apply after the interest-free period expires.

In addition to the financing options listed above, Michael Hill offers a Recycle Gold program. Learn more about Re:cycle here.

The interest free period for financing with Michael Hill depends on the payment option you choose. Here are the options:

• Afterpay offers interest free for four equal fortnightly payments.

• Zip Pay offers interest free for weekly or monthly payments.

• Latitude offers several interest free options:

  • Latitude Interest Free for 3-24 months (details in store).

  • Latitude 24 months Interest Free.

  • Latitude 60 months Interest Free.

• Humm offers interest free up to 3 years

Account establishment and maintenance fees may apply. Any other charges will be made clear before your application is approved. Interest will apply after the interest-free period expires.

Application for finance is done with the applicable credit providers. The staff in-store can assist or you can checkout online and select the relevant provider and complete the application.

The repayments on finance with Michael Hill will vary depending on the option you choose. Visit vendor websites for further information on repayments.

Simply select the relevant provider at the payment options stage of checkout. If you have an existing account with the provider you will need to enter the relevant information. If you do not yet have an account you will need to go through the application process.

You will need to contact your provider for steps to check the balance owing on your finance.