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.
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 five years depending on the option you select.
Short Term Finance, up to $3,000
Zip Pay
Availability: Instore & Online
Credit Limit: Up to $1,000 credit limit
Interest Rate: Always interest free^.
Payment Terms: Pay nothing today. Minimum repayments from $40/month
Fees: $9.95/mth account fee or $0 if nothing owing. Late payment fee of $5.
Long term finance, over $1,000
Zip Money
Availability: Instore & Online
Min Spend: N/A
Credit Limit: $1,000 - $15,000
Interest Rate: Any balance 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.
Payment Terms: Up to 36 months interest free*
Fees: $9.95/mth account fee or $0 if nothing owing. One off establishment fee up to $99 may apply.
Humm
Availability: Instore & Online
Min Spend: $500
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.
Humm90
Availability: Instore
Min Spend: $1,000
Credit Limit: Up to $50,000, pending provider approval
Interest Rate: 0%
Payment Terms: $9.95 monthly card fee
Fees: $9.95 monthly fee. 26.49% interest charged at the end of the plan.
LONG TERM FINANCE
Available on participating Latitude Credit Cards using a Payment Plan. T&Cs, Card Fee and other charges apply. Exclusions may apply.
Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145
Minimum Monthly
You need to make a minimum payment each month, but you have the flexibility to make extra payments at any time. Paying only the minimum each month, will not pay the balance in full before the expiry of the plan.
Availability: Instore & Online
Min Spend: $499 for 6, 12 & 18 month payment plans
$999 for 24 & 36 month payment plans
*Approved customers only. Monthly card fee of $10.95 applies (subject to change). Monthly payments required (exact amounts specified in your statement). Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. If there is an outstanding balance after the interest free period ends, interest will be charged at the Expired Promotional Purchase Rate, currently 29.99% (subject to change). Interest may also apply to other credit card transactions or if you do not comply with the T&Cs. Conditions of use set out the T&Cs of the Latitude Gem Visa credit card.
Equal Monthly
With equal monthly payments, you’ll know exactly how much to pay each month. Paying the installment payment each month on time, will pay the balance within the Interest Free period.
Availability: Instore & Online
Min Spend: $999 for 36 month payment plans
$1,999 for 48 & 50 month payment plans
$2,999 for 60 month payment plans
*Approved customers only. Monthly card fee of $10.95 applies (subject to change). Equal monthly payments required (exact amounts specified in your statement). If there is an outstanding balance after the interest free period ends, interest will be charged at the Expired Promotional Purchase Rate, currently 29.99% (subject to change). Interest may also apply to other credit card transactions or if you do not comply with the T&Cs. Conditions of use set out the T&Cs of the Latitude Gem Visa credit card.
Terms & Conditions
General Terms & Conditions†
General Terms & Conditions†
Zip Pay Terms & Conditions*
Zip Pay Terms & Conditions*
Zip Money Terms & Conditions^
Zip Money Terms & Conditions^