Luxury Handbag Loans. Keep the bag. Borrow against it.
Collectible handbags hold value like few other luxury goods. Borrow against yours without selling it: authenticated by a specialist, graded for condition, and kept in climate-controlled, insured storage until you repay.
What We Lend Against
Don’t see your piece? Tell us about it — significant pieces are reviewed case by case.
Same bag. Same condition.
For handbags, condition is value: corners, handles, hardware and smell all matter. The record documents your bag in detail before storage, locks it while a loan is open, and confirms it at return.
Model, size, leather, color, date stamp or serial label are recorded.
Hardware finish and any engraving are photographed, including locks and keys.
Corners, handles, interior and structure are graded and photographed.
Receipts, cards, dust bags, boxes, raincoats and clochettes are recorded with the bag.
Verify once. Borrow when you choose.
Send photos of the exterior, interior, hardware, stamps or serial labels, plus any receipts, cards or dust bags.
A luxury goods specialist authenticates the item and documents its model, material, stamps, hardware and condition grade. Appraisal is billed at cost.
Insured collection or shipping to secure, climate-controlled storage. Your bag is insured at full replacement value from the moment it leaves your hands.
Receive a confidential, no-obligation term sheet. Repay at any time and your bag is returned or stored with its record intact.
Handbag Loan FAQ
Can I borrow against my Birkin or Chanel bag?
Yes. Collectible handbags serve as collateral for loans of $25,000 to $2 million, with terms from 1 to 36 months. You keep ownership and the bag is returned when the loan is repaid.
How much can I borrow against a handbag?
Loan-to-value typically ranges from 25% to 75% of the appraised value, based on secondary-market prices for that model, leather, color, hardware and condition.
How is my bag stored?
In climate-controlled, insured storage, stuffed and dust-bagged to protect its shape. It is insured at full replacement value from the moment it leaves your possession.
Can I borrow against exotic-skin bags?
Yes, with the documentation the law requires for exotic leathers. Interstate and international moves of some skins carry restrictions, so we confirm the paperwork before shipping.
Do you check my credit?
No. The decision is based on the bag, not your credit history or income.
Is the loan non-recourse?
Non-recourse terms are available on qualifying loans, meaning the bag is the lender’s only remedy. Your term sheet states plainly whether your loan is non-recourse.
Can I repay early?
Yes. Generally, there is no prepayment penalty. Repay at any time and your bag is returned or stored with its record intact, ready if you want to borrow again.
Keep the bag. Use its value.
NON-FUGAZI is invitation-only. Tell us what you own and we'll respond confidentially with next steps.
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