We are the industry leaders in providing loans against luxury watches, offering a discreet, professional and business-focused service trusted by clients across the UK. Whether you are searching for a loan against my watch, exploring a loan against Rolex, or require a short term loan against watches for personal or business purposes, our service stands apart from normal pawnbrokers by offering speed, precision and exceptional expertise.
Our clients benefit from instant decisions, same-day funding, and a level of professionalism not found in your typical high-street pawnbrokers for watches. We specialise exclusively in high-value luxury timepieces, not lending against watches worth less than £1500. This enables us to provide significantly higher loan-to-value ratios, faster funding and a much more refined experience.
Unlike most other firms – we never send watches away for assessment, never rely on third-party authenticators, and never introduce delays. Everything is performed in-house by expert appraisers with significant experience of Rolex, Patek Philippe, Audemars Piguet, Richard Mille, Cartier, Vacheron Constantin and many other leading watch brands.
Why We Are the Leading Specialists in Loans Against Luxury Watches
Immediate Decisions and Funding Within Hours
Because we specialise in luxury assets and handle all valuations internally:
- Decisions are made instantly
- Offers are usually provided within minutes
- Funds are transferred same day, often within one hour
There are no long waits, no courier delays, and no multi-day inspections like with many normal pawnbrokers.
Up to 70% LTV on Luxury Watches
Where traditional pawnbrokers typically lend 50–60%, we regularly offer up to 70% loan-to-value, particularly for highly liquid brands such as Rolex, Patek Philippe, Audemars Piguet and Richard Mille.
Professional, Business-Like Service
Our process mirrors a corporate lending experience:
- Clear written terms
- Transparent interest
- No hidden fees
- Full confidentiality
- Professional documentation
This is why we are widely recognised as the best watch pawnbrokers among collectors, business owners and investors seeking a loan against luxury watches.
Detailed Brand Expertise – Why Clients Trust Us With Their Finest Watches
We are known for lending against the world’s most prestigious watch brands, with deep knowledge of both modern and vintage markets.
Real Client Case Study
How We Compare to Normal Pawnbrokers
Many clients choose us specifically because our service is far more sophisticated, faster and more secure than traditional high-street pawnbrokers.
Unlike Normal Pawnbrokers:
- We never send your watch away for external inspections.
- We specialise solely in luxury watches, not general goods.
- Our valuations are immediate, not next-day or later.
- We offer significantly higher LTV, often up to 70%.
- We operate discreetly, with private appointments and the ability to travel to clients.
- Funds are released same day, often within hours.
- We handle high-value watches daily, including Patek Philippe, Rolex, AP and Richard Mille.
Normal pawnbrokers simply do not have the expertise or the ability to fund at the level, precision or speed that our clients require.
FAQs — Loans against luxury watches
Which watch brands are accepted?
We accept all major luxury brands including Rolex, Patek Philippe, Audemars Piguet, Richard Mille, Cartier, Vacheron Constantin, Omega, Jaeger-LeCoultre, Panerai, Hublot, Tudor, Breitling and many more. If your watch has a recognised secondary market value, we can almost certainly lend against it.
Do I need original boxes, papers or service records?
Boxes and papers are helpful and can increase the amount offered for a loan against luxury watches, but they are not essential. We can lend against watches without box or paperwork, provided authenticity can be established.
How does condition impact loan valuation?
Condition plays an important role. Factors include: scratches, polishing history, replacement parts, bracelet stretch, dial originality and mechanical performance Tribute models in very good condition often achieve higher LTV ratios.
Are vintage watches valued differently from modern ones?
Yes. Vintage watches require more specialised assessment due to: originality, rarity, dial condition, servicing history, period-correct components. Our experts understand the nuances of vintage Rolex sport models, early Patek Philippe references, and rare Audemars Piguet pieces, enabling us to offer highly accurate valuations.
How secure is watch storage?
Your watch is stored in a high-security, fully insured vault for the duration of the loan. Our storage facilities exceed insurance standards and are monitored 24/7. Only authorised specialists have access, ensuring complete protection and absolute discretion.