Michael Hill Flexible Finance Solutions

†Approved customers only. Minimum purchase and time limits apply. Fees and T&Cs apply.

*Subject to approval, terms and conditions apply to all pay later options. For promotional offers see here.

See The Michael Hill Retail Charge Agreement here, and The Michael Hill Privacy Notice here.

Yes, you can finance an engagement ring or other jewellery purchased from Michael Hill. We offer flexible financing options for engagement rings, allowing you to spread the cost of your diamond ring over manageable payments on a schedule that works for you.

At Michael Hill, you can shop for the perfect engagement ring with interest free financing†. Pay for your engagement ring over time without accruing interest charges (subject to approval and applicable fees).

We recommend exploring our engagement ring financing options to find a plan that suits your budget and timeline.

Michael Hill offers a variety of financing options to help you pay for your jewellery, including interest-free financing. Here are the details on the different options:

• Flexiti Finance: Up to $20,000 in credit with equal monthly payments.

• Afterpay: Up to $750 in credit with four equal bi-weekly payments.

• PayBright: Up to $750 in credit with four equal bi-weekly payments.

Account establishment and maintenance fees may apply. Any other charges will be made clear before your application is approved. Interest will apply after the interest-free period expires.

The interest free period for financing with Michael Hill depends on the payment option you choose. Here are the options:

• Afterpay offers interest free for up to four equal fortnightly payments.

• Paybright offers interest free for up to four equal fortnightly payments.

• Flexiti offers interest free for up to 24 months.

Account establishment and maintenance fees may apply. Any other charges will be made clear before your application is approved. Interest will apply after the interest-free period expires.

Application for finance is done with the applicable credit providers. The staff in-store can assist or you can checkout online and select the relevant provider and complete the application.

The repayments on finance with Michael Hill will vary depending on the option you choose. Visit vendor websites for further information on repayments.

Simply select the relevant provider at the payment options stage of checkout. If you have an existing account with the provider you will need to enter the relevant information. If you do not yet have an account you will need to go through the application process.

You will need to contact your provider for steps to check the balance owing on your finance.