Payment Plan Information

We are happy to share that buying a designer bag makes it affordable to everyone! We offer 2 flexible payment plan options that allow you to pay off your item overtime.

  1. Purchase your order with Affirm Financing as low as 0% APR
  2. Purchase your order with PayPal Invoice.
Finance with AFFIRM your order as low as 0% APR and over 3, 6, or 12 months payment over time. Simply select Affirm at checkout and choose the monthly payment option that works best for you.

Affirm Approval
Affirm will ask few questions and performs a soft’ credit check to help verify your identity and determine your eligibility for financing. This soft credit check will not affect your credit score.

Who are eligible to avail AFFIRM financing?
This is offered only for U.S. customer.

Curious about your credit score?
Your credit score will not be affected when you check your eligibility, even though Affirm perform a credit check. If you decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build positive credit history.

Does Affirm charge interest and fees?
Affirm don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.

Your APR may be different depending on your creditworthiness and where you are shopping. The exact terms that apply to your purchase will be given when you check out with Affirm.

At checkout, Affirm always show the total amount of interest you’ll pay and Affirm never charge more beyond that. This way, you always know what you’re getting into.

No fees
Affirm don’t charge late fees, service fees, prepayment fees, or any hidden fees.



PayPal invoice is the best option if you want to pay off your item sooner. PayPal invoice payments can be made on your own terms - weekly or bi-weekly. 20% deposit is required. Item ships once paid in full. For this option, you must contact us via DM so we can set up the invoice for the item. Or send us an email to


Items will be shipped promptly after payment is received for Affirm purchases. We do not ship until an item is paid in full for PayPal invoice. A tracking number will be sent to the email that was provided at the time of checkout once the item has shipped. 




Under our payment plan agreement the customer is deemed to have agreed to the following terms:

A non-refundable 20% deposit is required for placing an item on a payment plan. 

• Payments plans are on an 8 week term only, starting from layaway date as discussed. 

• Payment plans exceeding the 8 weeks will result in an extra $15 fee weekly, for a 2 week grace period. If your item is not paid off within the given 2 weeks, we will cancel the plan and forfeiture of all money paid. No refunds. 


All costumers are responsible for paying their invoice! If you are using PayPal invoice, you must remember to pay your item off in the time frame in which your order was placed.

For questions, contact us at or shoot us a DM on IG @luxuryclosetny