Terms & Conditions – Applying for finance

Subject to normal lending criteria. Rates are subject to change. Instant Finance Limited reserves the right to change fees and/or interest rates without prior notice. All products are subject to availability and may differ from those shown. Free delivery excludes rural delivery of furniture.


The repayment installment shown on this website over selected terms represent costs for finance relating to online transactions only. Transactions completed manually in branches of Instant Finance Ltd will attract increased loan establishment fee charges and are available on request or from the literature and brochures found in those branches.

A sale through the MyHome website for any MyHome product is not final or binding until the availability and price of ordered product displayed is confirmed by MyHome.

When purchasing from us, you must read and accept our terms and conditions, which includes our Delivery Policy, Returns and Cancellation Policy and Privacy Policy.

MyHome Cashback & Call Terms and Conditions

  1. The Promoter is MyHome Ltd.
  1. Eligible participants will receive a free Xiaomi Redmi Go Mobile Phone and $50 cashback when they spend $3,000 or more on any MyHome goods during the promotional period.
  1. The Xiaomi Redmi Go Mobile Phone will be couriered (free of charge) to the participant’s nominated address, following successful delivery of the items purchased.
  1. The promotion runs from 11/01/2019 to 31/12/2019, or until stocks last.
  1. There is a limit of 1 free Xiaomi Redmi Go Mobile Phone per customer per transaction.
  1. The free Xiaomi Redmi Go Mobile Phone is non-transferable and not redeemable for cash.
  1. The free Xiaomi Redmi Go Mobile Phone is subject to availability. MyHome reserves the right to substitute with a similar or upgraded model mobile phone.
  1. The Free Xiaomi Redmi Go Mobile Phone is covered by the manufacturer’s statutory warranty period should any faults be encountered.
  1. There is a limit of 1 x $50 cashback award per customer per transaction.
  1. The cashback will be credited to the customer’s Instant Finance account once the items purchased are delivered. The cash amount will be made available to the customer to withdraw via cheque from the Instant Finance branch or transferred into a personal bank account of their choice.
  1. A cancelled order will result in potential restocking and cancellation fees, at MyHome’s discretion. The $50 Cashback and value of the free phone will not be refunded back to the customer.
  1. Offer is subject to normal Instant Finance lending criteria.
  1. By entering the promotion, participants are deemed to have read and accepted all the terms and conditions of entry and must be 18 years or older.
  1. Nothing in these Terms and Conditions is intended to exclude, restrict or modify a consumer’s rights under the Consumer Guarantees Act 1993. These Terms and Conditions must be read subject to those statutory provisions and will not affect any statutory rights that a claimant may have in relation to the return of a participating product.
  1. Except for any liability that cannot be excluded by law, the Promoter will not be liable for any loss or damage whatsoever incurred by any participant (including but not limited to any indirect or consequential loss). All prizes are taken entirely at the participant’s own risk. Participants indemnify the Promoter against any claim for accident or loss of life, personal injury, property damage or other loss, cost or expense arising in connection with the Competition or any prize.
  1. The Promoter adheres to all applicable privacy laws and regulations. Participants to the Competition agree that the Promoter (and its agents and contractors) may collect and retain their personal information for the purpose of this promotion carried out by the Promoter and its associated companies. Participants have the right to request access to their personal information held by or on behalf of the Promoter, and to update or to remove any such information.
  1. This promotion is not available to employees of Instant Finance Ltd or MyHome Ltd.
  1. This promotion is not available with any other offers past or present.
  1. Instant Finance and MyHome reserve the right to withdraw this promotional offer or extend its duration without prior notice.
  1. Instant Finance and MyHome reserve the right to refuse, moderate or restrict entry into the promotion.
  1. The promotor reserves the right to amend these terms and conditions without notice.

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