Specialist

Watch Finance

For buying and refinancing high-value watches

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Watch finance

Clifton private finance

We specialise in sourcing high value watch finance in the UK

 

High quality watch finance solutions for UK & international clients.

  • Finance from £25,000
  • Competitive watch finance that often outperforms dealer offers
  • Flexible finance options which includes: Personal loans, Personal contract Purchase (PCP), Hire Purchase, Lease Purchase
  • Tailored bespoke service
  • Refinance options
  • Flexible repayment periods
  • Finance available on new, used and auction bought watches
  • Business owners - Refinance existing assets to free up your company's liquid capital
  • Business owners - Cashflow matched repayments
  • Asset finance for watches

We can deliver enhanced, bespoke or exclusive terms through our market knowledge.  

Call us on 0203 900 4322 to discuss your requirements.

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Watch Finance

Purchasing a luxury watch is a special occasion that deserves careful planning. Top brands like Rolex, Patek Philippe, and Audemars Piguet can command high prices, with costs ranging from £5,000 to over £1 million. Whether you desire a precious metal dress watch, a diamond-set piece, or a high-complication timepiece, finding the right financing can make owning an exceptional watch more accessible.

Spreading payments over time allows you to enjoy wearing your dream watch today while paying for it gradually. Watch loans and leasing agreements are tailored finance solutions that help make luxury timepieces affordable. With our guidance, you can choose the ideal financing option based on your budget and ownership goals.

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Different Finance Options Available for Watches

If you want to buy a luxury watch in the UK, you have several finance options to choose from. Each option has its own features, benefits and drawbacks. Depending on your personal and financial situation, you can choose the one that suits you best:

Watch Finance

Watch finance is a form of leasing, where you pay a monthly fee to wear a watch, but you do not own it. The monthly fee is based on the depreciation of the watch over the lease term, and the residual value at the end of the lease. The residual value is the estimated value of the watch at the end of the lease, which is agreed upon at the start of the contract.

The advantage of watch finance is that you can enjoy a new watch without having to pay the full price upfront. You also have lower monthly payments than other finance options, as you are only paying for the depreciation of the watch.

Watch finance is similar to asset finance, which is a general term for leasing any kind of asset, such as vehicles, machinery, or equipment.

At the end of the lease, you have three options, you can either:

Watch Loan

A watch loan is a form of credit, where you pay a deposit and then monthly instalments to buy the watch over a fixed period of time. The monthly instalments include both the principal and the interest, and the interest rate is usually fixed. The watch is the collateral for the loan, which means that if you fail to make the payments, the lender can take back the watch. This is similar to hire purchase, which is a type of asset finance that allows you to own the asset at the end of the contract, after paying a final option to purchase fee.

The advantage of a watch loan is that you can own the watch at the end of the contract, and you can choose the deposit and the duration of the contract to suit your budget. You also have the option to settle the loan early, by paying the outstanding balance and a small fee.

By partnering with watch financing experts like us at Clifton Private Finance, you can select the ideal agreement for your budget and goals. We'll explain all the options in detail during a free consultation.

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Popular Luxury Watches You Can Finance

When financing watches in the UK, discerning buyers have abundant options from the most prestigious luxury brands. Some of the most sought-after timepieces that can be purchased with flexible payment plans include:

Brand

Model

Material

Price

Finance Option

Rolex

Submariner

Stainless steel with blue dial

£7,950

Watch loan from £149.63 per month

Rolex

Daytona

Yellow gold with diamond dial

£79,950

Watch lease from £1,599.00 per month

Patek Philippe

Calatrava

Rose gold with brown leather strap

£21,950

Watch rent-to-own from £549.00 per month

Patek Philippe

Grand Complications

Platinum with perpetual calendar and moon phase

£99,950

Watch PCP from £1,999.00 per month

Audemars Piguet

Royal Oak Offshore

Steel with black dial and chronograph

£19,950

Watch loan from £374.63 per month

Audemars Piguet

Royal Oak Concept

Titanium with tourbillon and minute repeater

£399,950

Watch lease from £7,999.00 per month

Omega

Constellation

White gold with diamond-paved dial and bezel

£29,120

Watch rent-to-own from £729.00 per month

Bvlgari

Serpenti Seduttori

Yellow gold, stainless steel and diamond

£12,400

Watch loan from £233.25 per month

Jaeger-LeCoultre

Reverso

Rose gold with dual time and moon phase

£16,500

Watch lease from £329.00 per month

Hublot

Classic Fusion

Ceramic with skeleton dial

£13,600

Watch rent-to-own from £340.00 per month

Breitling

Navitimer

Steel with blue dial and chronograph

£10,250

Watch PCP from £204.00 per month

IWC Schaffhausen

Portugieser

Steel with silver dial and annual calendar

£14,500

Watch loan from £272.25 per month

Watch financing provides access to these investment-grade timepieces. By spreading payments over time, clients can own remarkable watches that might normally be out of financial reach. Our experts can source financing for both new and pre-owned watches through trusted lenders.

What Happens at the End of a Watch Finance Agreement?

At the conclusion of watch financing, clients have options depending on the original finance structure.

If the goal is ownership, a loan builds equity. If flexibility is paramount, a lease may be preferable. We can guide you in selecting the optimal watch finance solution.

The Benefits of Using a Finance Broker for Watches

Partnering with a specialist watch finance broker provides significant advantages for clients. The key benefits include:

As leading watch finance experts, we simplify the process so you can focus on finding the perfect timepiece. With many lenders at our disposal, we can find deals to suit your needs.

At Clifton Private Finance, we have a team of specialist finance brokers who can help you finance watches in the UK. We can work with watch retailers and manufacturers to arrange your watch finance plan and finalise your purchase. We can also help you finance new, used, or bespoke watches, and offer the most competitive watch finance service for you.

To find out more about our finance broker service, don’t hesitate to contact us today. We offer a free and no-obligation telephone consultation at a time that suits you

Get Asset Finance »

Call us today to discuss your requirements on 0203 900 4322


 

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