That Rolex Submariner sitting in your watch box or the vintage Patek Philippe you inherited from your grandfather? They’re more than just beautiful timepieces: they’re financial assets that can work for you when you need fast liquidity. Over the years, we’ve seen thousands of clients turn their treasured watches into immediate capital without having to sell pieces they never want to part with.
Let’s say you need $50,000 for a business opportunity that can’t wait, or maybe an unexpected expense has come up. Your Daytona or Nautilus could be exactly what you need to handle whatever life throws your way, and you can do it all without anyone else knowing your business or affecting your credit score. That’s the beauty of Qollateral’s luxury watch loans.
How Luxury Watch Loans Work: Our Straightforward Process
The process is refreshingly simple, and we can usually get everything done within 24 hours.
We appraise your timepiece. Our certified appraisers look at everything: the brand, model, condition, rarity, and what’s happening in the market right now. Just this year, we’ve evaluated millions worth of luxury watches, from iconic Rolex Daytonas to rare Patek Philippe complications.
We make you an offer. Based on our appraisal, we’ll propose a loan amount, typically 60-80% of your watch’s secondary market value. There’s no credit check during this step. We’re focused entirely on the value of what you’re bringing us.
You get funded fast. Once you’re happy with the terms, we can get money to you incredibly quickly. Most of our luxury watch loans are funded within hours after appraisal. During the term of your loan, your precious timepiece stays safe and secure in our state-of-the-art vault inside the International Gem Tower.
You get everything back. When you’ve satisfied the loan terms, your watch comes right back to you. If something comes up along the way, we’re always here to work with you.
What We Accept: The Timepieces That Hold Their Value
Luxury timepieces are huge with our clients, and for good reason. These are watches that hold their value and have strong resale markets:
Rolex remains the king. Think Daytonas, Submariners, GMT-Masters, and especially those hard-to-find models that have waitlists at authorized dealers.
Patek Philippe pieces, particularly complications and vintage models, represent some of the most stable values in the luxury watch market.
Richard Mille has become incredibly popular. These contemporary pieces command serious money and have devoted collectors.
Audemars Piguet Royal Oaks and offshore models continue to be in high demand.
Other brands we work with regularly include Vacheron Constantin, A. Lange & Söhne, Cartier, and vintage Omega pieces, basically anything with documented provenance and an established collector market.
The key is working with people who really understand these markets. We’ve been doing this long enough to know what holds value and what doesn’t.
Why Choose a Loan Against Watches Over a Traditional Bank Loan?
You may already know that getting cash from traditional banks is a nightmare. Here’s the reality. When you get a loan against watches with us, we only evaluate your collateral. Banks demand credit scores, income statements, tax returns, the works.
We fund you within the day. Banks? You’re waiting weeks minimum.
We don’t run credit checks or report anything. Your business stays private. For clients needing fast liquidity without bureaucratic hassles, these differences are game-changers.
Our Terms: Designed for Real Flexibility
We’re proud to offer some of the most competitive luxury watch loan terms you’ll find anywhere. You get up to 120 days, that’s 4 full months, to repay your loan, and here’s what makes us different: your loan can be renewed for additional 4-month cycles as long as you need by simply making an interest payment. There’s no maximum loan duration, giving you true long-term flexibility.
Plus, we don’t take any interest upfront, so you receive the full loan amount immediately to handle whatever brought you to us in the first place. You won’t owe any interest until the end of your first 4-month cycle, when you can choose to either renew for another term or pay off the principal and interest to reclaim your timepiece.
And if you’re ready to pay early? No problem: we never charge prepayment penalties, so you’ll only pay interest for the actual time you used the loan.
How Much Can You Borrow Against Your Watch?
Here’s what we typically see for loans against luxury watches: 60-80% of secondary market value.
Real example: say you’ve got a Rolex Daytona worth around $200,000. With a 70% loan-to-value ratio, you could potentially walk away with $140,000. Of course, every situation is different, and the final terms depend on the specific piece and current market conditions.
Our loan offers range from $2,000 to $10,000,000, so whether you’ve got a single special piece or an entire collection, we can work with you.
What You’ll Need to Get Started
Here’s what helps us move quickly:
Documentation like original purchase receipts, insurance papers, or previous appraisals, if you have them.
Original accessories, including the box, papers, and warranty cards, make a difference in valuation.
The watch itself is in the best condition possible; we understand these are pieces that get worn and enjoyed.
Don’t worry if you don’t have everything. We work with what you’ve got, and our appraisers are experts at authentication and valuation regardless of documentation.
Tax Considerations: Keep It Simple
The money you receive from a watch loan isn’t taxable income: it’s borrowed funds. Just like any other loan, you’re not earning money; you’re accessing it temporarily using your asset as security.
If you have specific tax questions, we always recommend consulting with your tax professional, but the loan process itself is straightforward from a tax perspective.
Why Qollateral Is the Right Choice for Cash Loans Against Watches
When you need fast access to capital and your luxury timepieces are sitting there not working for you, that’s where we come in. We’ve built our reputation on understanding both the true value of exceptional watches and the importance of handling everything with complete discretion.
Here’s what sets us apart: we’re fully insured by Lloyd’s of London, so your watch is protected throughout the entire process. Our certified appraisers have decades of experience with secured watch loans, and we’ve facilitated millions in loans secured by everything from vintage Rolexes to modern Richard Mille pieces.
We proudly serve clients in New York City and nationwide. Whether you’re dealing with a business opportunity that can’t wait, an unexpected expense, or just need to bridge a temporary cash flow gap, that Patek Philippe you inherited or the Submariner in your collection could be exactly what you need, without anyone else knowing your business and without affecting your credit.
Ready to get started with a free, no-obligation appraisal? Fill out our contact form or call 212-287-5257 today. Your luxury timepieces can provide the liquidity you need on your timeline, and we’re here to make it happen.
