Watch Finance

For buying and refinancing high-value watches

Get Asset Finance »

Speak to us today...

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.


Property Finance Deals

Aston Martin Zagato Speedster Lease Purchase
Aston Martin Zagato Speedster Lease Purchase
Capital Raised
Range Rover Sport Refinance To Hire Purchase Deal
Range Rover Sport Refinance To Hire Purchase Deal
Capital Raised
Loan to Finance Purchase of Aston Martin DB6
Loan To Finance Purchase Of Aston Martin DB6
Capital Raised

More Opportunities »

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.

Get Asset Finance »

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.

Get Asset Finance »

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:





Finance Option



Stainless steel with blue dial


Watch loan from £149.63 per month



Yellow gold with diamond dial


Watch lease from £1,599.00 per month

Patek Philippe


Rose gold with brown leather strap


Watch rent-to-own from £549.00 per month

Patek Philippe

Grand Complications

Platinum with perpetual calendar and moon phase


Watch PCP from £1,999.00 per month

Audemars Piguet

Royal Oak Offshore

Steel with black dial and chronograph


Watch loan from £374.63 per month

Audemars Piguet

Royal Oak Concept

Titanium with tourbillon and minute repeater


Watch lease from £7,999.00 per month



White gold with diamond-paved dial and bezel


Watch rent-to-own from £729.00 per month


Serpenti Seduttori

Yellow gold, stainless steel and diamond


Watch loan from £233.25 per month



Rose gold with dual time and moon phase


Watch lease from £329.00 per month


Classic Fusion

Ceramic with skeleton dial


Watch rent-to-own from £340.00 per month



Steel with blue dial and chronograph


Watch PCP from £204.00 per month

IWC Schaffhausen


Steel with silver dial and annual calendar


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


What Our

Clients Say


Property Finance Deals & Insight

how to get a self employed mortgage
Whether you're a company director or a sole trader, you've probably noticed that high-street mortgage lenders have stricter lendin...
How Much Will My Mortgage Go Up in 2024
If you're remortgaging in 2024, your mortgage payments could go up by as much as £500 - £1000 a month.  For the ...
Are mortgage rates going down
Inflation is at its lowest level in three years, and financial experts say mortgage rates mortgage rates could drop in June. Ac...
Buying London Real Estate as a US Citizen
If you're interested in buying property in London as a US citizen, you're not alone. And if you're wondering how easy it is to get...
View More »
Get in Touch

If you have any questions about our services or want to start making things happen please contact us