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Michael Hill Finance Options

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 depending on the option you select.

Michael Hill x Flexiti

Flexiti

Availability: Instore & Online

Credit Limit: Pending Provider Approval

Interest Rate: 0%

Payment Terms: Equal monthly payments

Fees: $24.99 minimum admin signup fee

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Michael Hill x Paybright

Paybright

Availability: Online

Credit Limit: Up to $750

Interest Rate: 0%

Payment Terms: 4 equal bi-weekly payments

Fees: No additional fees - See Terms of Service for more information

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Michael Hill x AfterPay

AfterPay

Availability: Online

Credit Limit: Up to $750

Interest Rate: 0%

Payment Terms: 4 equal bi-weekly payments

Fees: N/A

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Terms & Conditions

General Terms & Conditions†

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

Flexiti Terms & Conditions*

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

Michael Hill Card

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

FREQUENTLY ASKED QUESTIONS

Can you finance an engagement ring?

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.

What finance options does Michael Hill offer?

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.

What is the interest free period of finance with Michael Hill?

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.

How do I apply for finance for my Michael Hill purchases?

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.

What will the repayments on finance with Michael Hill be?

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

How do I checkout online with a finance provider?

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.

How to check the balance owing of my finance?

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