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December 12, 2020 4 min read


For most of us, buying a luxury mens watch such as a Rolex, Omega or Breitling is a big decision and can often involve a large expenditure. The decision making process can be fun, but it can also be a bit of a head ache. Especially when deciding how to pay for your new watch. Should you use savings, a credit card or apply for watch finance? The decision can be made a bit easier if you understand all your options, and the pros and cons for each of them.



No need to wait. Buying a want on finance allows you to get the watch now and spread the payments over a long period of time. This allows you to keep the monthly payments down. Ideal if you haven't yet saved up enough money for your dream watch.

Watch inflation. Certain watches, especially sports models from Rolex including the Submariner, Daytona, GMT Master and Sea Dweller will increase in value over the years. This should be taken into account when deciding to buy a watch on finance. By the time you have paid for the watch it may actually be worth more than what you originally paid plus any finance fees.

Save your cash. Maybe you have saved enough money for your next watch but don't actually want to commit all your money to it. Buying a watch with a 0% APR options means you just put down a deposit and pay off the balance monthly with no additional fees.

You can upgrade. You have saved for your dream watch but maybe when you come to pull the trigger you find something a bit better. Why not use the original savings as a deposit and take out a little extra on finance to get you the perfect watch.



Purchasing your next pre-owed, used or second hand mens watch with low rate finance should be quite simple and straightforward. Buying your next Rolex, Omega, Breitling or Tag Heuer watch will involve paying an initial deposit, usually between 10 and 50%, and spreading the balance over 24, 36 or even 48 months. To get the best deals on watch finance you will often be required to make a higher initial deposit and keep the monthly payments to around 24 months. The longer the term and the lower the deposit, the higher the interest rate. This



Watch finance with 0% APR is available from most large watch dealers but generally only available over 12 months and will involve a higher initial deposit. Buying a watch with 0% APR finance can be a great option if you already have the funds available but don't want to commit all your savings. 



Watch Finance: Buying a Mens Watch with Finance

We are proud to be able to offer our customers the option of purchasing their next watch with low rate finance. Buy your next pre-owned Rolex, Omega, Breitling or Tag Heuer watch with just a 10% deposit and spread the payments over 24, 36 or even 48 months. We also offer a 0% APR option over 12 months. Finance is subject to status and provided by our external partner, Klarna - previously Close Brothers. Applicants must be 18 or older, in regular employment and have been a UK resident for more than 3 years, other terms and conditions apply.


Interest Free Finance - 0% APR (12 Months)

Cash Price: £2,500.00
Deposit: £1,250.00
Loan Amount: £1,250.00
12 x Monthly Instalments: £104.16
Rate of Interest: 0% APR
Total Amount Payable: £2,500.00
Total Charge for Credit: £0


Low Rate Finance - 9.9% APR (24 Months)

Cash Price: £2,500.00
Deposit: £250.00
Loan Amount: £2,250.00
24 x Monthly Instalments: £103.28
Rate of Interest: 9.9% APR
Total Amount Payable: £2,728.82
Total Charge for Credit: £228.82


Classic Finance - 14.9% APR (48 Months)

Cash Price: £2,500.00
Deposit: £250.00
Loan Amount: £2,250.00
48 x Monthly Instalments: £61.45
Rate of Interest: 14.9% APR
Total Amount Payable: £3,199.63
Total Charge for Credit: £699.63


Watch Finance: How to Apply For Watch Finance

Applying for finance to purchase your next pre-owned, used or second hand watch from Swiss Watch Trader couldn’t be easier. Simply choose your watch, hit the APPLY NOW button and select the desired deposit contribution and length of term. You will then need to enter some personal detail including name, DOB, contact details, residential and employment status before receiving an instant decision. 



Our collection of pre-owned, used & second hand mens watches from brands including Rolex, Omega, Breitling, TAG Heuer and Tudor are all available to purchase with 0% APR and low rate finance. At Swiss Watch Trader we specialise in selling only the very best mens watches and unless there is a valid reason, ALL our mens watches will include their original boxes and papers. When buying any modern or vintage watch you need to ensure you are getting the very best example with as much of the original paraphernalia as possible. You should always look for a mens watch that is complete with its original inner and outer boxes, warranty certificate or card, manuals, hang tags and if possible original sales receipt. For more information on how to buy a mens watch from Swiss Watch Trader and the the services we offer including buying a mens watch on finance, head over to the information section.

For more information our favourite mens watches from Rolex, Breitling, Panerai and Omega, head over to the News & Reviews section. Please get in touch if you have any questions about any of our new, used, pre-owned and second hand mens watches.


Contact Us today if you have a question about purchasing any of our mens watches on finance - we will be happy to help!

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