Loan Against Watches

musa 6 Min Read

Luxury watches offer a reliable, fuss-free asset for loaning against. That means they can often unlock a much faster form of discreet short-term finance than other assets, like art or jewellery.

The amount of money you can borrow depends on several factors, including the model, condition and the metal used in the watch. Having the original box and paperwork is also helpful to speed up the process.

When selling a watch, it’s important to do your research and understand its value. You can sell your watch through various channels such as online marketplaces, auction houses, pawnshops, or directly to watch dealers. Provide accurate and detailed information about your watch to potential buyers, and compare offers to get the best value.


If you have a watch, it is a good idea to get it appraised before taking out a loan against it. This can help you know how much it is worth and what kind of collateral you have to offer.

Appraisals are legal documents that take into account the physical appearance, functionality, rarity and general condition of an item in order to determine its monetary value. They are often used for insurance, tax, divorce and estate settlement, as well as other purposes.

During an appraisal, a specialist will examine your timepiece and assess its quality, rarity, functionality and overall condition. This can include looking at its case, bracelet, dial and movement.

Rarity is one of the most important factors that determines a watch’s worth. This is because a rare wristwatch or pocket watch may be worth many times more than a mass-produced watch from the same dstvportal brand.


Collateral loans are a reliable, fast and easy way to get access to cash that isn’t dependent on credit checks or financial disclosures. They are ideal for business owners, key executives and other affluent clients who need cash for payroll, supplies, expansion, taxes, startup ventures, time-sensitive transactions, and much more.

Often, people struggle with their cash flow during periods of high unemployment or economic uncertainty. To address their financial needs, some seek out alternative ways to raise liquidity and tap into the value of luxury assets that they already own such as luxury watches.

At Beverly Loan, we provide short-term, secure loans in amounts ranging from $2,500-$5,000,000+ that fund within 1-2 business days using your luxury asset(s) as collateral. These loans provide the most flexible and convenient alternative to traditional channels of financing that are either slow, invasive or unavailable, unlocking the equity in high-value but low-liquidity luxury assets.

Interest rates

If you’re looking for a way to finance the cost of your new Rolex watch, there are many options available. One of the most attractive is a credit card that offers an introductory 0% interest rate for a set amount of time. This is the best option if you have solid credit, qualify for the offer and can pay off your balance before the deal expires.

Borro, a leading provider of confidential, non-bank loans using luxury assets as collateral, recently announced that it was lowering its interest rate by 20% for new loans that use Rolex watches. The company says its special interest rate will remain in effect for the life of new loans that close between now and December 31, 2020. Its slick loan calculator makes it easy to figure out how much you can borrow and how long it will take to repay the sum you’re borrowing. It also has an interesting feature that allows you to defer your repayment until the very last day of the loan period.

Payment terms

Unlike a typical loan, a loan against watches is paid back in installments over a specified period. The lender will provide a payment schedule, and it’s best to plan ahead for this type of loan. You’ll also need to pay interest for any amount you don’t repay in full by the end of the loan period.

Borro is a lending company that offers collateral loans against luxury watches and other high-end goods. It has offices in Los Angeles, New York and London. Clients can send in their watches for a value estimate or work with a Borro representative remotely.


They accept a variety of brands as collateral, including Rolex, Patek Philippe, Audemars Piguet, Cartier, Omega, Hublot, Richard Mille and many others. Their clients typically get cash wired to them within a few days. Borro also offers a Sale Advance Loan, which allows clients to anticipate selling their watches for cash. They advance up to 70% of the anticipated sale price and charge a fair 1-2% monthly for this advanced money until the watch sells or auctions.

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