Can You Finance A Hermes Bag

Can You Finance A Hermes Bag?

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It is no secret that Hermès handbags come with a hefty price tag! This leaves many wondering, can you finance a Hermès bag?

Hermès is one of the most coveted and luxurious fashion houses in the world. Due to their exclusivity and impeccable craftsmanship, these bags tend to hold their value incredibly well. If you are looking for a luxury handbag to invest in, look no further than Hermès. Check out our dedicated blog post Are Hermes bags a good investment? (coming soon) for an insight into the world of luxury handbag investments. 

Can you get a Hermès bag on finance? Much like the majority of other high-end designer brands, unfortunately, Hermès does not offer exclusive payment plans in their boutiques or online. Although Hermès may not offer finance plans, it is still possible to purchase your dream bag directly from the boutique with a credit card. 

Hermes Birkin 35 Black leather palladium hardware
Hermès Birkin 35 Bag

What is the best way to purchase from Hermès? If you are confident with the relationship you have with your Hermès sales associate and wish to buy a bag new from the boutique; you should purchase your bag using a 0% interest credit card. Purchasing with a credit card gives you the most flexibility, and you are then able to pay for your bag in equal installments. This is the best option when it comes to buying directly from the boutique, as this gives you all-round protection for your purchase; from your credit card provider as well as Hermès. 

So how can you finance a Hermès bag? The best way to purchase a Hermès bag on a more flexible finance plan, would be on the pre-loved market. Reputable resellers such as Vestiaire Collective and SACLÀB offer payment plans and alternative methods which may better suit your needs. However, it is important to note that Hermès bags on the pre-loved market come with a significantly higher price tag.

Can you finance a Birkin bag?

Hermes Birkin 35 Blue Gold hardware
Hermès Birkin 35 Bag

Many handbag collectors would love to add a Hermès Birkin or Kelly to their collection, but many find the price tag daunting. Understandably when it comes to Hermès, it can be nerve-wracking to create a wish list (read our blog on everything you need to know about the Hermes wishlist system here) and not knowing when your bag may be available for purchase. It is therefore important to know your payment and finance options prior to making your interest known in a bag at Hermès. See our Full list of Hermès bags 2023 (coming soon) for detailed and up-to-date price information. 

Is your ultimate dream a Hermès Birkin? You are not alone! Although the Birkin is one of the most highly sought-after and rare bags at Hermès, you may find yourself lucky! So if you find yourself in the position of being offered a Birkin directly from the boutique, you need to familiarise yourself with payment options. Although Hermès do not offer payment plans or finance options in their boutiques, it is still possible to finance a Birkin bag.

What is the best way to finance a Hermès Birkin? In order to finance your Birkin purchase at Hermès, we would strongly suggest that you purchase your bag with a 0% APR credit card. This way you can still purchase your bag directly from the boutique, and pay in equal installments over a set period of time, with no hidden additional costs. Purchasing directly from the Hermès boutique does come with its added perks. Not only do you get the in-boutique experience, but you will also benefit from the aftercare services offered. Currently this is the only way in which you can finance a Birkin bag directly from the Hermès boutique. 

Can you use PayPal credit on Hermès?

Hermes Lindy Green
Hermès Lindy Bag

No, Hermès does not accept PayPal credit in their boutiques. However PayPal payments are an option on the Hermès website and therefore available for online orders. 

When shopping for Hermès on the pre-loved market you have more flexibility when it comes to payment options. On sites such as Vestiaire Collective and eBay, you are able to take advantage of installment options such as PayPal credit. It is important to note that failure to keep up with PayPal credit payments will result in additional fees. 

Can you use Klarna on Hermès?

Hermes Picotin Lock 18 Bag
Hermès Picotin Lock Bag

No, Hermès does not accept Klarna payments. 

However, you can take advantage of the Klarna option on the pre-loved marketplace, Vestiaire Collective. With Klarna you can simply ‘ buy now, pay later’, or pay for your Hermès bag in equal installments over a set period. You are responsible for paying any additional fees if you do not keep up to date with your payments. 

Can you buy Hermès with Afterpay?

No, you cannot purchase Hermès with Afterpay. 

Hermes Evelyne 16 Amazone Brown
Hermès Evelyne 16 Bag

Can you buy Hermès with Affirm?

No, Hermès does not accept Affirm. You can use the Affirm payment method when shopping for pre-loved bags on Vestiaire Collective

So is it best to purchase Hermès Bags from the boutique or pre-loved? Only you will truly know the answer to this question! This all comes down to your personal financial situation and relationship with Hermès. If you are in a position in which you have a fantastic relationship with a Hermès sales associate, purchasing from the boutique is most likely the best option. If you are hoping for more financial options and flexibility, the pre-loved market can offer plenty of payment solutions. 

Hermes Kelly Small Brown
Hermès Kelly

Hermès are known for being sold at a premium on the pre-loved market, it is always worth exploring your options. If you are open to an older style or vintage piece you can make some great savings on the pre-loved market. We would recommend that you only shop for Hermès at reputable sites such as:

We strongly recommend that when you purchase any pre-loved designer piece, you should always get it authenticated by a reputable authentication service for peace of mind and protection. You can find authentication services here.

Purchasing your first Hermès bag is an incredibly rewarding and exciting experience, regardless of where you make the purchase. Knowledge truly is power when it comes to Hermès, and product awareness and price information is a fantastic tool when you are looking to purchase your first bag. Are you curious to know what the most affordable Hermès bags are? See our guide to the Cheapest Hermès Bags here (coming soon). 

Although we have been discussing the ways in which you can finance a Hermès bag, we cannot emphasize enough that you should never shop beyond your means. Please remember that no Hermès Birkin is worth getting into debt for! 

Ever wondered why Hermes bags are SO expensive? Find out the real reason here.

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