Payment Plans & Store Policy

Own it in weeks, not all at once

How payment plans work, plus shipping, returns, and what "pre-loved" means here — all in one place.

Please Read Before Buying

All Sales Are Final

Every piece is pre-owned and sold as-is. We take care to photograph and describe condition accurately so you can shop with confidence — but once an order is placed, it isn't returned or exchanged for a change of mind.

How It Works

Three simple steps

Payment plans let you reserve a piece today and pay it off on a schedule that works for you.

Choose your term

Up to 6 weeks on items under $1,000, up to 8 weeks on items $1,000+. Pay weekly via Zelle or Venmo.

Your bag is reserved

The moment your first payment goes through, the bag is held exclusively for you and taken off the market.

It's yours to keep

Complete your plan and your piece ships to you, authenticated and ready to wear.

This page is a plain-language summary. The full, binding terms — including our reservation and cancellation policy — are outlined in the Reluxe Bags Payment Plan Agreement you review and sign before your plan begins.

Ask a Question

The Details

What to expect

Payment plans are offered on eligible pieces at checkout — you'll see if an item qualifies, along with its available terms, right on the product page. There's no interest and no hidden fees: the price you agree to on day one is the price you pay in total.

Payments are made weekly by Zelle or Venmo, and your bag is held exclusively for you the moment your first payment clears — it's removed from the shop and reserved under your name for the length of your plan.

Because every piece is one of a kind, we ask that you're fully confident before starting a plan. Once your first payment is made, the plan is a firm commitment — it cannot be voluntarily cancelled, and there are no refunds for a simple change of mind. All sales are final.

Missed payment policy: if a payment is missed, we'll send a written reminder within 2 days, followed by a 7-day grace period to get the account current. If the plan is still not current after that grace period, it goes into default: the bag is released back to the shop for sale to someone else, and 100% of what's been paid to date is forfeited and non-refundable. Not to be harsh — just so it's completely clear going in.

At A Glance

Term: up to 6 weeks (under $1,000) or 8 weeks ($1,000+)
Cadence: weekly, same day each week
Methods: Zelle or Venmo
Interest: none, ever
Reservation: begins after your first payment
Cancellations: not available once started
Grace period: 7 days after a missed-payment notice
Shipping/pickup: only once paid in full

Store Policy

Shipping, returns & more

These terms apply to every order, whether you're paying in full or on a plan.

Shipping

We currently ship domestically within the U.S. only, for a flat fee of $10–$12 per order. Orders go out within 12–24 hours of purchase, extending to 24–36 hours on weekends and holidays. If anything delays your order past that window, we'll notify you before you have to ask.

Shipping Insurance

An optional $15 shipping insurance add-on is available at checkout for extra peace of mind on higher-value pieces. Every order ships fully insured on our end regardless — this option simply lets you share in that coverage if you'd like it.

Returns & Exchanges

We do not accept returns or exchanges. The one exception: if you believe you've received a counterfeit item, contact us immediately and we'll work with you to resolve it.

Product Availability

Every piece is one of a kind and listed across a few different channels, not only this site. On rare occasions a bag may sell elsewhere and be removed here without notice — please keep this in mind while browsing.

Condition & What You'll Receive

All items are pre-loved. What you see in the photos is what you'll get — please review every photo and the full description closely before purchasing, since this helps set the right expectations for a used item.

Authenticity

Every bag is inspected and verified before it's listed. See our full Authenticity page for how that process works.

Payment Methods

Zelle and Venmo are accepted fee-free for both full payments and weekly Payment Plans. Credit card is also available for full-price purchases, with a 3.5% processing fee applied — choose Zelle or Venmo at checkout to avoid it. Additional payment options are being researched and will be added here as they become available.

Good To Know

A few additional notes

Photos are taken to represent each item as accurately as possible, but actual color can appear slightly different depending on your screen and lighting.
Leather and other natural materials can carry a subtle scent that varies item to item — this is normal for pre-loved goods, not a defect.
Wear consistent with an item's listed condition (light creasing, corner wear, hardware patina, etc.) is expected and part of buying pre-loved.
Have a question or want more photos before you buy? Reach out any time — we're always happy to help before your order is placed.

Questions

Payment & Policy FAQ

Which bags qualify for a payment plan?

Eligible pieces are marked at checkout with available term lengths. If you don't see the option on an item you love, message us — we're happy to let you know if it can be arranged.

Is there a deposit to get started?

Your first weekly payment is what reserves the bag exclusively for you — it's removed from the shop and every listing the moment that payment clears, and won't be offered to anyone else for the length of your plan, even if another buyer offers full price.

What happens if I miss a payment?

We'll send a written reminder (WhatsApp, email, or text) within 2 days of the missed due date, then you'll have a 7-day grace period from that reminder to bring the account current. If it's still not current after that, the plan goes into default: the bag goes back on sale, and any amount you've already paid is forfeited and non-refundable.

Can I pay off my plan early?

Yes — you're always welcome to pay off the remaining balance ahead of schedule and have your bag shipped or ready for pickup as soon as it's paid in full.

Can I cancel a payment plan?

No. Once your first payment is made, the plan can't be voluntarily cancelled and there are no refunds for a change of mind — the bag is held exclusively for you, off the market, for the whole term, so this is a firm commitment from that first payment onward. If you're not fully sure yet, reach out before starting a plan and we'll gladly talk it through.

How do I officially agree to the terms?

Submitting your first payment counts as acceptance of this Agreement. At that same time, you'll also check a box confirming you've read and agree to it and enter your full name, which is time-stamped alongside your acceptance for a clear, dated record.

What if there's an issue with my order?

Reach out as soon as possible — by WhatsApp, phone, or email — and we'll work quickly to sort it out.

Do you ship internationally?

Not yet — we currently ship within the U.S. only. This may expand in the future.

How much is shipping, and can I insure my order?

Shipping is a flat $10–$12 per order. At checkout you'll also have the option to add $15 shipping insurance for extra peace of mind — every order ships insured on our end either way, but this lets you share in that coverage if you'd like.

Is there a fee for paying by credit card?

Yes — credit card purchases carry a 3.5% processing fee, passed along at cost. Pay by Zelle or Venmo instead and there's no fee at all.

Do I need to agree to anything before checking out?

Yes — before completing a purchase, you'll check a box confirming you've read and agree to our Terms of Service, Refund & Return Policy, and Shipping Policy, and that you understand all sales are final and items are sold as-is.

Ready When You Are

Find the bag worth waiting for

Browse the current collection and look for the payment plan badge on eligible pieces.

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