Instore Finance

Flexible Options Designed for You

At Michael Hill, we offer flexible payment plans so you can take home the piece you want with the peace of mind you deserve. Most of our plans require no up-front deposit and some plans offer no interest options for up to four years. As an approved customer, you can have access to these plans at any of our locations worldwide thanks to our trusted credit partners. We’ll work with you to get you the piece you want, on the terms that are right for you.

Easy Options for Every Choice

You’ve found that special piece, and it’s at a price that delights. Make it yours! With our layby program, you can put the item aside with a 25% deposit and a small administration fee, and it’s yours to take home within three months.

Available at selected locations around the world, just ask a Michael Hill expert how we can help you start the process today.

0% Interest Payment Plans

Interest free is the smarter way to pay for things you really want today. You can manage your payments over time, without paying any interest during the interest free period.


  • Apply at your nearest Michael Hill store
  • Get a response in 60 seconds
  • Start shopping straight away
  • Pay no interest during the promotional period


Latitude Promotion

2 Offer available to Brilliance by Michael Hill Members instore only where Latitude Interest Free card products are used to make qualifying fully paid purchases in any single transaction between 12:01AM (AEST) Monday 25 April 2022 and 11:59PM (AEST) Sunday 29 May 2022 (subject to extension). To be eligible to receive the e-gift card the following Minimum Spend must be spent: $2,000 or more, to receive $200 e-gift card; between $1,000 and $1,999, to receive $100 e-gift card. The following items are excluded from calculating the Minimum Spend: e-gift cards, gift cards and items purchased on layby or custom orders not fully paid during the promotion period. E-gift card will be emailed to the purchaser within 5 business days of the end of the promotion period. This offer cannot be redeemed against a prior purchase or redeemed for cash and cannot be used in conjunction with any other offer except member pricing. The offer is subject to our General Terms and Conditions (including e-gift card terms and conditions) and Delivery, Returns and Privacy policies, which are available online at


3 Approved customers only. Conditions, fees and charges apply. See staff for details. Credit provided by Latitude Finance Australia ABN 42 008 583 588 Australian Credit Licence number 392145.