Welcome to a world where designer luxury and fashion is made more affordable and accessible. Luxury fashion dreams coming true without breaking the bank! Imagine indulging in the luxury of your favorite designer handbag right now and paying for it later. Intrigued? We’re thrilled to introduce our exclusive financing options that make it easier than ever to own your dream bag without compromising your budget.
At Luxe Du Jour we believe everyone deserves a little bit of luxury and is normalizing pre-owned and making it easier and convenient for consumers by offering buy now pay later options that the luxury giants don’t offer.
Certain designer brands such as Chanel, Hermes, and Louis Vuitton constantly have price increases in stores making it harder for consumers to keep up with their prices alongside all our other financial obligations. Why should we put our dream bags aside risking the item being sold out or the prices have gone up? We don’t! Whether it’s the timeless Chanel classic flap, the everyday Louis Vuitton bag, or the rare Hermes Birkin bag, our financing options at checkout make it all possible!
The thrill of owning that coveted designer bag without the immediate financial strain. Embrace the freedom to choose the bag that speaks to you, with the flexibility to pay over time.
Why buy now, pay later? The real question is why not if there is a 0% interest option!
Affirm is available to Canadians and Americans on Luxe Du Jour’s platform and Affirm currently offers a 0% interest option for US clients. This could change for Canadian clients in the future.
Using a “buy now, pay later” option for purchasing a designer bag rather than paying for it in full upfront can offer several financial benefits, depending on your individual circumstances. Here are some potential advantages:
Preservation of Cash Flow: By opting for a buy now, pay later option, you can preserve your immediate cash flow. This is particularly advantageous if you want to maintain liquidity for other essential expenses, investments, or unforeseen circumstances.
Flexible Payment Plans: Buy now, pay later services often provide flexible payment plans tailored to your financial situation. You can choose a repayment schedule that aligns with your income and budget, making it easier to manage your finances.
Interest-Free Periods: Some buy now, pay later options offer interest-free periods, allowing you to spread the cost of the designer bag over several months without incurring additional charges. This can be more financially favorable than paying upfront, especially if you can pay off the balance within the interest-free period.
Opportunity to Invest: By not tying up a significant amount of capital in the immediate purchase, you may have the opportunity to invest your money elsewhere. Depending on the return on investment, this could potentially outweigh the cost of financing the designer item.
Credit Building: Successfully managing a buy now, pay later plan can contribute positively to your credit history. Timely payments may improve your credit score, which can be beneficial for future financial endeavors, such as obtaining loans or credit cards.
Budget Management: Structured payments make it easier to incorporate the cost of the designer item into your monthly budget. This can provide better visibility and control over your overall financial situation.
No Immediate Impact on Savings: Choosing a buy now, pay later option allows you to acquire the designer bag without depleting your savings. This can be particularly appealing if you prefer to maintain a certain level of financial cushion for emergencies or future investments.
It’s essential to carefully review the terms and conditions of any buy now, pay later option, including interest rates, fees, and repayment terms. Additionally, consider your own financial situation and discipline to ensure that this approach aligns with your overall financial goals and responsibilities. While financing options can provide flexibility, responsible financial management is key to making the most of these opportunities.
How It Works:
AFFIRM
Affirm requires a credit check and depending on your credit score will determine your shopping limit and interest rate options. US clients will often get a 0% interest rate option and with affirm you can choose the duration of your plan. Affirm will auto debit your account and take out the first initial payment and once successful your item ships and you can enjoy your item while making the smaller payments later! Always refer to Affirms website for the most up to date information.
SPLITIT
Splitit allows you to split the payments into 3 equal payments and requires a credit card with an available balance that can cover the full order amount but will only charge the first initial payment on your credit card. However, Splitit will place a hold on your credit card for the full order amount. No credit check needed and the shopping limit depends on your credit cards’ available balance. Always refer to Splitits website for the most up to date information.