Easy monthly payments with a Michael Hill card

At Michael Hill, we offer flexible payment plans so you can take home the piece you want with the peace of mind you deserve. Some of our plans require no up-front deposit and some plans offer no interest options for up to 24 months all subject to credit approval. We will work with you to get you the piece you want, on the terms that are right for you.

Zero Interest#

LIMITED TIME ONLY

#12 Equal Monthly Payments, No Interest Plan
On purchases up to $1000 (including taxes).

Subject to credit approval. $24.99 Annual fee (with balance) and 20% deposit required.

No interest is payable under this plan if: (i) each Minimum Payment is made by the due date specified on your Account Statement; and (ii) the Promotional Balance is repaid in full by the Promotional Due Date. The Minimum Payment under this plan is determined by dividing the amount of the Promotional Purchase by the number of months contained in the Promotional Term, rounded up to the nearest $1.00 increment (the applicable time period for the Promotional Term under this plan is 12 months). In no case will the Minimum Payment be less than $25; however, the Minimum Payment will never be more than the Promotional Balance. If a Minimum Payment is not made by the due date specified in your Account Statement, or your Promotional Balance is not repaid in full by the Promotional Due Date, then interest shall accrue daily at the Regular Rate on the amount of the Promotional Balance as of the date of the Promotional Purchase.

#24 Equal Monthly Payments, No Interest Plan
$1000 minimum purchase

Subject to credit approval. Minimum purchase $1000 (including taxes). $24.99 Annual fee (with balance) and 20% deposit required.

No interest is payable under this plan if: (i) each Minimum Payment is made by the due date specified on your Account Statement; and (ii) the Promotional Balance is repaid in full by the Promotional Due Date. The Minimum Payment under this plan is determined by dividing the amount of the Promotional Purchase by the number of months contained in the Promotional Term, rounded up to the nearest $1.00 increment (the applicable time period for the Promotional Term under this plan is 24 months). In no case will the Minimum Payment be less than $25; however, the Minimum Payment will never be more than the Promotional Balance. If a Minimum Payment is not made by the due date specified in your Account Statement, or your Promotional Balance is not repaid in full by the Promotional Due Date, then interest shall accrue daily at the Regular Rate on the amount of the Promotional Balance as of the date of the Promotional Purchase.

Regular Credit Plan

Standard Revolving:

*Subject to credit approval. No annual fee. Minimum payments are required to the greater of $25.00 or up to 10.0% of the Highest Amount of the Regular Credit Balance and rounded up to the nearest $1.00 increment plus any applicable fees or charges. Interest accrues at the Regular Rate and will be charged to the account until the balance is paid in full. The Regular Rate of Interest is 24.99%.

Promotional Credit Plans

Six (6) Month Plan

$500 minimum purchase

Subject to credit approval. Minimum purchase $500 (including taxes). $24.99 Annual fee (with balance) and 20% deposit required. No interest is payable under this plan if: (i) each Minimum Payment is made by the due date specified on your Account Statement; and (ii) the Promotional Balance is repaid in full by the Promotional Due Date (such time period being 6 months from the date of the Promotional Purchase). The Minimum Payment under this plan is determined by multiplying the amount of the Promotional Purchase by five percent (5%), rounded up to the nearest $1.00 increment. In no case will the Minimum Payment be less than $25; however, the Minimum Payment will never be more than the Promotional Balance. If only Minimum Payments are made, you will not repay the Promotional Balance within the Promotional Term. If a Minimum Payment is not made by the due date specified in your Account Statement, or your Promotional Balance is not repaid in full by the Promotional Due Date, then interest shall accrue daily at the Regular Rate on the amount of the Promotional Balance as of the date of the Promotional Purchase.

6 Equal Monthly Payments, No Interest Plan

$500 minimum purchase

Subject to credit approval. Minimum purchase $500 (including taxes). $24.99 Annual fee (with balance) and 20% deposit required. No interest is payable under this plan if: (i) each Minimum Payment is made by the due date specified on your Account Statement; and (ii) the Promotional Balance is repaid in full by the Promotional Due Date. The Minimum Payment under this plan is determined by dividing the amount of the Promotional Purchase by the number of months contained in the Promotional Term, rounded up to the nearest $1.00 increment (the applicable time period for the Promotional Term under this plan is 6 months). In no case will the Minimum Payment be less than $25; however, the Minimum Payment will never be more than the Promotional Balance. If a Minimum Payment is not made by the due date specified in your Account Statement, or your Promotional Balance is not repaid in full by the Promotional Due Date, then interest shall accrue daily at the Regular Rate on the amount of the Promotional Balance as of the date of the Promotional Purchase.

12 Equal Monthly Payments, No Interest Plan

$1000 minimum purchase

Subject to credit approval. Minimum purchase $1000 (including taxes). $24.99 Annual fee (with balance) and 20% deposit required.

No interest is payable under this plan if: (i) each Minimum Payment is made by the due date specified on your Account Statement; and (ii) the Promotional Balance is repaid in full by the Promotional Due Date. The Minimum Payment under this plan is determined by dividing the amount of the Promotional Purchase by the number of months contained in the Promotional Term, rounded up to the nearest $1.00 increment (the applicable time period for the Promotional Term under this plan is 12 months). In no case will the Minimum Payment be less than $25; however, the Minimum Payment will never be more than the Promotional Balance. If a Minimum Payment is not made by the due date specified in your Account Statement, or your Promotional Balance is not repaid in full by the Promotional Due Date, then interest shall accrue daily at the Regular Rate on the amount of the Promotional Balance as of the date of the Promotional Purchase.

24 Equal Monthly Payments, No Interest Plan

$2000 minimum purchase

Subject to credit approval. Minimum purchase $1000 (including taxes). $24.99 Annual fee (with balance) and 20% deposit required.

No interest is payable under this plan if: (i) each Minimum Payment is made by the due date specified on your Account Statement; and (ii) the Promotional Balance is repaid in full by the Promotional Due Date. The Minimum Payment under this plan is determined by dividing the amount of the Promotional Purchase by the number of months contained in the Promotional Term, rounded up to the nearest $1.00 increment (the applicable time period for the Promotional Term under this plan is 24 months). In no case will the Minimum Payment be less than $25; however, the Minimum Payment will never be more than the Promotional Balance. If a Minimum Payment is not made by the due date specified in your Account Statement, or your Promotional Balance is not repaid in full by the Promotional Due Date, then interest shall accrue daily at the Regular Rate on the amount of the Promotional Balance as of the date of the Promotional Purchase.

Benefits

  • No Annual Fee on Standard Revolving Plan
  • Interest Free Options available
  • Exclusive Cardholder only offers and information

FAQ

  • How long does it take to apply?

    You can be approved within minutes.

  • Can I use my card straight away?

    Yes! You can shop in store instantly.

  • When will I receive my card?

    Your Michael Hill Card will arrive within 10 days.

  • How do I apply?

    Visit your local Michael Hill store today to apply.

Find a store

A Michael hill card application will require the following information:

  • Drivers Licence, Passport, Age of Majority Card or other photo ID.
    NB: A photo of your ID will be taken upon application.
  • Date of Birth
  • Residential Address
  • Mailing Address (if different)
  • Email
  • Mobile Number
  • Income in CAD
  • Employment Information
  • Proof of Income
  • Agreement to terms and conditions.

For billing enquiries and payments, please contact:

Retail Credit Solutions
(800) 209-8546