Michael Hill Finance &
Buy Now, Pay Later Options

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.

Available Finance Options

  • Afterpay
  • zipPay
  • zipMoney
  • Certegy ezi-pay
  • cards
  • Skye Mastercard

Payment Plan Options

A little bit of luxury

A little bit of luxury?

Available for orders up to $1,000

Finance Provider Afterpay zipPay
Availablity

Instore & Online

Instore only

Credit Limit*

Up to $1,000

Up to $1,000

Interest Rate

0%

0%

Payment Terms

4 equal fortnightly payments

Weekly or monthly payments

Fees*
  • Initial $10 late fee
  • A further $7 if the payment remains unpaid 7 days after the due date.
  • When balance owing apply: $6.00 monthly account service fee
  • Late fee of $6 when no repayments for more than 21 days
More Information Learn More Learn More

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

Big sparkle

Big sparkle?

Available for orders over $1,000

Finance Provider zipMoney Certegy ezi-pay Cards Skye Mastercard
Availablity

Instore & Online

Instore only

Instore only

Instore only

Credit Limit*

Up to $8,000 online

Up to $10,000 instore

Up to $10,000

Pending provider approval

Up to $50,000

Pending provider approval

Interest Rate

0%

0%

0%

0%

Payment Terms

Up to 3 years interest free

Fortnightly payments, up to 24 months

Ask in store for details

Ask in store for details

Fees*
  • Interest bearing, post 3-year term on balance
  • $6 monthly service fee (waived if balanced is paid on time)
  • Establishment fee $0-$99 (depending credit limit owing)
  • $44 account set up fee
  • $3.50 monthly account fee
  • $2.95 monthly payment processing fee
  • $99 annual fee
  • 24.99% interest charged at the end of the plan
  • $99 annual fee
  • 25.99% interest charged at the end of the plan
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*Subject to approval, terms and conditions apply to all pay later options.