Buy Handbags Now, Pay Later: 17 Stores That Offer Designer Bag Financing

designer bag finance

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Last Updated on May 22, 2024 by Steal the Style

Looking for new arm candy, but your wallet is bare? You can find handbags from the finest stores like Gucci, Louis Vuitton, and even Kate Spade at a fraction of the cost. There are several online stores that sell buy now pay later designer bags with no credit needed. From luxury designer brands that sell bags with monthly payments and online stores for BNPL designer bags, here are our favorites. 

Designer Bag Brands Offering Monthly Payment Options

1. Gucci Handbags

You’ll find signature lines with diverse designs including totes, top handles, shoulder bags, and belt bags. With Affirm, you can pay for these luxury bags in monthly installments

2. Louis Vuitton (Layaway at Fashionphile)

Louis Vuitton will let you pay monthly for their handbags at the Fashionpile marketplace. Shop for the latest designs and use layaway to afford your choice handbag.



3. Kate Spade

Kate Spade New York designs include handbags, clothing, jewelry, fashion accessories, shoes, gifts and more. Their exuberant approach to the everyday encourages personal style with a dash of incandescent charm. Find exciting patterned bags at Kate Spade.

Since the company has teamed up with the payment plan, Klarna, you can finance your handbag over affordable installments. 



4. Rebecca Minkoff 

At Rebecca Minkoff  find accessible luxury handbags, accessories, footwear, apparel, and jewelry. They also provide men’s leather goods under the label Ben Minkoff.

Rebecca Minkoff womens Ruched Clutch, Solid Gold, One Size US

These classy leather handbags work with Klarna as well, giving you different payment options. 



5. Telfar

Telfar’s fleece handbags are the next big thing! Finance your handbag with BNPL payment program Klarna. 



6. Nordstrom features leading apparel, shoe and accessory fashions for men, women, juniors and kids. Customers also enjoy the latest in beauty, personal care, home décor and gifts.

Find an array of new handbags and pay in monthly installments with Afterpay.

The Nordy ClubThe Nordy Club 

Online Stores for Buy Now, Pay Later Designer Handbags

7. Dooney & Bourke

Dooney & Bourke is inspired by a variety of classic bag shapes, ranging from mail pouches to saddle bags to early American military gear, and they created the distinct blend of classic and contemporary style influences that has been the hallmark of every collection.

Make 3 easy, interest-free payments on all in-stock, full-price products $100+ with DooneyPay. The Easy Pay installments will be charged to your existing credit or debit card. Find more Dooney favorites including Disney collabs here! 



8. Maika 

Malika has colorful and eco-friendly bags from totes to pouches. They are made with recycled canvas and eco-friendly pigment inks. Shop BNPL with Afterpay and pay in 3 easy installments.

MAIKA Recycled Canvas Commuter Tote Bag, Waxed Cocoa


9. The Luxury Closet

An elite luxury reseller specializing in buying and selling new & pre-loved designer handbags, shoes and fine jewelry. This retailer offers more than 25,000 items ranging from luxurious wardrobe classics to sleek accessories from leading brands such as Louis Vuitton, Chanel, Gucci & Cartier.

The Luxury Closet offers “Pay and Reserve” which is basically a layaway option where you pay 25% down (available on items priced above $300) to reserve your order. You then have 30 days to pay off your order interest-free, and then it will be shipped.

TLC Coveted Pieces 

10. Luxury Garage Sale

Use Affirm to purchase vintage & pre-owned handbags from Chanel, Louis Vuitton & more.

11. Vestiaire Collective

Sells pre-owned designer handbags and fashion clothing that are 100% authenticity guaranteed. Wear now, pay later by splitting your purchase into easy monthly installments with Affirm.

12. Rebecca Minkoff

This store is an industry leader in luxury handbags with playful and subtly edgy designs. They accept Affirm for payment.

13. FashionPhile

Buy designer handbags on layaway for free. Make as many payments as you need, and you’ll have 60 days to pay the balance. Find out more about how Fashionphile works here. 

14. HSN (aka the Home Shopping Network) offers customers quality merchandise and highly regarded brands, and sells everything from consumer electronics to shoes.

HSN sells name brand handbags like Sharif, Emma Fox, Vince Camuto, Christian Lacroix, and more. You can make two, three or four FlexPay payments or use your H.S.N. credit card for 9-month VIP financing.

15. Midnight Velvet

Make $20/month payments on a big selection of fashion handbags, cross-body bags, hobo handbags, leather handbags, totes and more.

16. Etsy

Etsy is a marketplace where people around the world connect to buy and sell handmade and vintage goods. Etsy offers a meaningful and personal shopping experience to consumers and gives independent, creative businesses the tools to be successful.

This is a top place to look for vintage, authentic handbags from sellers all over the world, and Etsy now accepts Klarna for 4 easy payment installments. Shop Etsy Vintage now! 

17. eBay

This online shopping marketplace offers luxury crossbody and shoulder handbags at affordable prices. With paypal credit, customers can pay for the handbag over time. 

How Do Afterpay, Affirm, Klarna and Other Buy Now, Pay Later Payment Options Work?

With all these different buy not pay later programs, you may wonder which one is best for you. Here is how all the popular BNPL finance programs work.


Afterpay lets you buy now and pay later, and is always interest-free. When using Afterpay at checkout, your purchase will be split into 4 manageable payments. You can pay for your handbag every two weeks


This is another payment option that gives you the option of financing your handbag every two weeks or every month. If you decide to pay every 2 weeks, you’ll have 4 interest-free payments. If you want to pay monthly, you can pay over 6, 3, or 9 months. 


Klarna also offers several payment options. You can pay for your handbag in 4 interest-free payments, 30 days, or monthly installments. 

Paypal Credit

With Paypal credit, you can finance your handbag, paying for it in monthly installments over 6 months. Interest will be charged to your account if you do not pay within the 6 months.

Buy Handbags Now, Pay Later With Stores That Offer Payment Plans

Buy Handbags Now, Pay Later