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.

After Hours Sale

*Approved applicants only. Fees, terms, conditions & minimum finance amount $800 apply, incl $99 Annual Fee charged at the time the first debit is charged to your Skye Account and annually on the anniversary of that date. When you have met the Interest Free Criteria, the Annual Fee must be paid in full within the Interest Free Period or it will attract interest. If you do not meet the Interest Free Criteria the Annual Fee will attract interest from the date the Annual Fee is debited to your Skye Account. Minimum monthly repayment required. Interest (charged at the Expired Promotional Rate) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. See skyecard.com.au for current interest rates. Only available at Skye retail partners. Credit provided by FlexiCards Australia Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415. FlexiCards Australia is a subsidiary of FlexiGroup Limited.

Available Finance Options

  • Afterpay
  • zipPay
  • zipMoney
  • Humm
  • 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 Humm
Availablity

Instore & Online

Instore & Online

Instore only

Credit Limit*

Up to $1,000

Up to $1,000

Up to $2,000

Interest Rate

0%

0%

0%

Payment Terms

4 equal fortnightly payments

Weekly or monthly payments

2.5 months or 5 months
Weekly or Fortnightly

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
  • 2.5 months - No monthly fee
  • 5 months - $8 monthly fee
  • Late fee of $6
More Information Learn More Learn More FIND STORE

*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 Humm 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 establishment fee
  • $8 monthly 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
Learn More Find Store Find Store Find Store Learn More Find Store

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