What are the best investment watches to use as collateral?

Top investment watches used for collateral include Rolex Daytona, Patek Philippe Nautilus, Audemars Piguet Royal Oak Offshore, Richard Mille RM 11-03, and the Omega Speedmaster.

How much can I borrow against a luxury watch?

Loan amounts vary by brand, model, and market value. Qollateral often offers 60–70% loan-to-value on select investment-grade watches.

Is my watch insured during the process?

Yes, your watch is fully insured through Lloyd’s of London from shipping to return.

How quickly can I receive funds?

Funds are typically wired the same day your watch is received and appraised.

Do you perform credit checks?

No credit checks are required. Loans are based solely on the value of your collateral.

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Rolex, Patek, Audemars: Top 10 Investment Watches Used as Collateral in 2025

Rolex Daytona is one of the top investment watches for collateral at Qollateral, shown in front of original box.

The watch-collecting community is stronger than ever, and many are turning to top investment watches for collateral, particularly brands like Rolex, Audemars Piguet, and Patek Philippe—for their prestige, resale value, and ability to unlock fast, discreet funding. However, as portfolios become more diverse, so does how individuals view their assets. Luxury watches are more than expensive status symbols. They are strong assets that can hold long-term value and even serve as a means to secure fast funding. In fact, we’ve seen an increase recently among affluent individuals using watches as security for short-term loans. Read on to learn which investment watches come through our doors the most here at Qollateral.

Top 10 Investment Watches Used as Collateral in 2025

Rolex Daytona: Stainless Steel and Two-Tone Models

Popular Daytona Variations: 116500, 126500, 116520, 116503, 126503

The Rolex Daytona has a storied history in motorsport, with stainless steel models, in particular, at the top of many collectors’ lists. The reason why? Steel is often viewed as more versatile and consistently commands well over retail in the secondary market because of its limited availability and strong demand.

Patek Philippe Nautilus Ref. 5711

Popular Nautilus Alternatives: 5990/1A-001 Stainless Steel Travel Time, 5712/1A-001 Stainless Steel Moon Phase, 7118/1200A-001 Stainless Steel Ladies Automatic

The Patek Philippe Nautilus reigns supreme when it comes to luxury sports watches. Most notable is the recently discontinued ref. 5711, released in 2006. The Gerald Genta masterpiece is particularly lucrative, especially those in stainless steel and with blue or green dials.

Audemars Piguet Royal Oak Offshore

Popular Variations: 26170ST.OO.D091CR.01, 26470ST.OO.A801CR.01, 15720ST.OO.A009CA.01, 15720ST.OO.A027CA.01, 26238ST.OO.2000ST.01

The Royal Oak Offshore has become a strong collectors’ favorite as the sportier sibling to the immensely popular Royal Oak, particularly the Safari and Diver models. With striking designs and cutting-edge materials, these watches maintain strong resale value and, thus, higher Audemars Piguet watch loans.

Richard Mille Ref. RM 11-03

Popular Variations: Last White Edition, Carbon NTPT, Ultimate Edition, Limited Edition McLaren

The RM 11-03 is easily one of the brand’s most recognizable collections, known for its visually striking skeletonized movement and innovative use of materials. With its incredible wrist presence and exclusivity, the RM 11-03 has amassed an impressive following among the industry’s most elite clientele. Even though the model is quite niche, it holds consistent market value and is ideal for luxury watch loans well over $100k.

Rolex Submariner Hulk Ref. 116610LV

Other Green Rolex Submariner Watches: 16610V Rolex Kermit, 126610LV Rolex Starbucks

When Rolex released the Hulk ref. 116610LV in 2010, it was the first and only Submariner to sport both a green maxi dial and a matching green “Cerachrom” bezel. Since then, the model has been discontinued for the current production ref. 126610LV, which sports a black dial and a green Cerachrom bezel. Still, it remains a highly liquid and incredibly popular watch for its exclusive all-green design. It continues to climb in resale value, making it a frequently accepted asset at Qollateral.

Omega Speedmaster Moon Watch

Popular Variations: First Omega in Space (FOIS) ref. 310.30.40.50.06.001, 50th Anniversary Silver Snoopy Award ref. 310.32.42.50.02.001, Calibre 321 ref. 311.30.40.30.01.001, Dark Side of the Moon ref. 311.92.44.51.01.007

The Speedmaster was along for the ride when Apollo 11 landed on the Moon, making it the first watch worn on the lunar surface. An impressive feat, indeed, the Speedy has since become one of the most important and sought-after chronographs. As one of the most accessible watches on our list, it is common among mid-range borrowers pawning a watch for a short-term loan.

Patek Philippe Aquanaut

Popular Variations: Stainless Steel/Time and Date ref. 5167A-001, White Gold Chronograph ref. 5968G-001, Rose Gold Travel Time ref. 5164R-001

The Aquanaut is a fresh and contemporary watch inspired by the Nautilus. With its sporty rubber strap and rounded octagonal bezel, this watch is gaining serious momentum among collectors. Particularly sought-after models include the Travel Time and chronograph variations. Strong resale value and growing interest among young collectors secure the collection’s place on our list.

Rolex GMT Master II Pepsi Ref. 126710BLRO

Popular Rolex Pepsi Watches: 16710, 1675, 16750, 16700, 126719BLRO

When the Rolex GMT debuted in the 1950s, it initially had a red and blue bezel to distinguish between day and night hours. Since then, Rolex has added many variations to the collection, but the steel and Pepsi bezel models remain in demand, particularly the newer ref. 126710BLRO. With its global popularity and quick resale value, this model has become popular among clients seeking fast turnaround on Rolex watch loans.

Audemars Piguet Royal Oak “Jumbo” Extra Thin Ref. 15202ST

With its svelte profile and integrated bracelet, the Jumbo Extra Thin is one of the most sought-after models in the Royal Oak lineup. Despite being recently discontinued, its grail status and strong collector demand ensure strong collateral performance.

Cartier Santos Skeleton

Popular Variations: Stainless Steel ref. WHSA0015, Black ADLC ref. WHSA0009, Two-Tone ref. WHSA0019, Yellow Gold ref. WHSA0042

In 2009, Cartier released its first skeleton watch under the Santos collection. With its clear view of the in-house movement and overall avant-garde aesthetics, Cartier’s Skeleton watches are enjoying a resurgence in the investment watch space. They hold a lot of potential for collectors interested in securing a quick collateral loan.

Why These Watches Make Strong Collateral

Each watch in this guide has strong brand prestige and resale values, which instill a better sense of confidence for the lender. Furthermore, many of these watches hold their value well, even when the economy is turbulent. These favorable conditions give lenders more wiggle room when it comes time to help clients secure a higher offer. They are also easier to appraise, store, and insure than other assets, which are critical traits in high-value lending.

How Qollateral Handles Secured Watch Loans

Qollateral evaluates each watch based on the brand, model, condition, and market demand to help you secure the best price. Our process is straightforward, completely safe, and confidential. Furthermore, all secured watch loans include fully insured storage and shipping, flexible loan terms, and the option for same-day funding.

Whether you need to borrow against a Rolex Daytona, Patek Philippe Nautilus, or Audemars Piguet Royal Oak, our team is here to help with tailored lending solutions, backed by years of luxury industry expertise.

Click here to book a free, no-obligation appointment with Qollateral.

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