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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.

AODA - Customer Service Accessibility Policy

AODA - Statement of Commitment & IASR-Multi-Year Accessibility Plan

Finance Offers, interest free

†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 New Gem visa Card

Latitude Interest Free

Instore only
$1,000
Pending provider approval
Ask in store for details
14-month interest free
GLOBAL - Humm90 Icon

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.

Finance Provider
Latitude New Gem visa Card

Latitude Interest Free

Availability
Instore only
Min Spend
$1,000
Credit Limit*
Pending provider approval
Interest Rate
Ask in store for details
Payment Terms
14-month interest free
Fees
More Information
Finance Provider
GLOBAL - Humm90 Icon

Humm90

Availability
Instore only
Min Spend
$999
Credit Limit*
Pending provider approval
Interest Rate
Ask in store for details
Payment Terms
15-month interest free
Fees
$99 annual card fee at time of purchase
More Information

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

Interest free payment options available

†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.



A Little bit of Luxury: Orders up to $3,000

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

Afterpay

Instore & Online
Up to $3,000
0%
4 equal fortnightly payments
  • 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 logo

ZIP Pay

Instore & Online
Up to $2,000
0%
Weekly or monthly payments
  • 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 logo

Humm

Instore & Online
Up to $2,000
0%
2.5 months or 5 months, Weekly or Fortnightly
  • 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

Finance Provider
Afterpay logo

Afterpay

Availability
Instore & Online
Credit Limit*
Up to $3,000
Interest Rate
0%
Payment Terms
4 equal fortnightly payments
Fees*
  • 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.

More Information
Finance Provider
Zip Pay logo

ZIP Pay

Availability
Instore & Online
Credit Limit*
Up to $2,000
Interest Rate
0%
Payment Terms
Weekly or monthly payments
Fees*
  • 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.

More Information
Finance Provider
Humm logo

Humm

Availability
Instore & Online
Credit Limit*
Up to $2,000
Interest Rate
0%
Payment Terms
2.5 months or 5 months, Weekly or Fortnightly
Fees*
  • 2.5 months - No monthly fee

  • 5 months - $8 monthly fee, $2 transaction fee

  • Late fee of $6

More Information

*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 New Gem visa Card

Latitude Interest Free

Instore only
$1,000
Pending provider approval
0%
Ask in store for details
  • $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

    Latitude Credit Cards

    See product websites for fees & charges

GLOBAL - Humm90 Icon
Instore only
$1,000
Up to $50,000, Pending provider approval
0%
$99 annual card fee at time of purchase fee
  • $99 annual fee

  • 25.99% interest charged at the end of the plan

Zip Pay logo

ZIP Money

Instore & Online
Up to $13,000 online, Up to $15,000 instore
0%
Up to 3 years interest free*
  • 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 logo

Humm

Instore & Online
Up to $8,000
0%
Fortnightly Payments up to 24 months
  • $60 establishment fee

  • $8 monthly fee

  • Late fee of $6

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

Finance Provider
Latitude New Gem visa Card

Latitude Interest Free

Availability
Instore only
Min Spend
$1,000
Credit Limit*
Pending provider approval
Interest Rate
0%
Payment Terms
Ask in store for details
Fees
  • $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

    Latitude Credit Cards

    See product websites for fees & charges

More Information
Finance Provider
GLOBAL - Humm90 Icon
Availability
Instore only
Min Spend
$1,000
Credit Limit*
Up to $50,000, Pending provider approval
Interest Rate
0%
Payment Terms
$99 annual card fee at time of purchase fee
Fees
  • $99 annual fee

  • 25.99% interest charged at the end of the plan

More Information
Finance Provider
Zip Pay logo

ZIP Money

Availability
Instore & Online
Min Spend
Credit Limit*
Up to $13,000 online, Up to $15,000 instore
Interest Rate
0%
Payment Terms
Up to 3 years interest free*
Fees
  • 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)

More Information
Finance Provider
Humm logo

Humm

Availability
Instore & Online
Min Spend
Credit Limit*
Up to $8,000
Interest Rate
0%
Payment Terms
Fortnightly Payments up to 24 months
Fees
  • $60 establishment fee

  • $8 monthly fee

  • Late fee of $6

More Information

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