Pre-Owned and Second Hand Mens Watches with 0% APR Finance

My Cart




Rolex Watch 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, used or second hand 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 on all our watches for sale. 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.



For most of us, buying a luxury Swiss watch such as a Rolex 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 watch 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.



Buying your next pre owned, used or second hand watch on finance from Swiss Watch Trader involves a simple online application process with Klarna. If accepted you will be required to pay an initial deposit, usually between 10 and 50%, and the balance can be spread over 24, 36 or even 48 months. As with all finance, to get the best deals you may 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.


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


We are pleased to offer our customers a 0% APR finance option on all pre owned, used & second hand watches. Buy your next watch with a 50% deposit, spread the payments over 12 months and have no interest to pay.


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



Rolex Watch Finance

Applying for finance to purchase your next watch couldn’t be easier with Klarna. 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.



You may borrow between £300 and £15,000. 

• An initial deposit of between 10 and 50% will need to be paid upon acceptance. 
• A typical agreement will consist of an initial deposit followed by a 12, 24, 36 or 48 month loan repayment period.
• All monthly payments are paid by direct debit from your personal bank account. 
• Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.