How does the luxury watch loan process work?

At Qollateral, we’ve designed our loan process to be straightforward and efficient, ensuring the highest level of confidentiality. Schedule an appointment for either an in-person or virtual evaluation. Once you accept the loan offer and terms, payment can be issued as quickly as the same day. For online customers, we provide a fully insured, pre-paid shipping label, making the process secure and stress-free.

What is the most amount of money I can get for my watch?

We will offer the highest value available for your particular luxury watch, which will depend on factors such as manufacturer, model, condition, original box and paperwork, and other considerations. That said, Qollateral offers loan amounts of $2,000 to $10 million.

Do you get more money pawning or selling watches?

At Qollateral, we provide competitive offers whether you decide to pawn or sell your luxury watch. Pawning, however, gives you the flexibility to access the funds you need while retaining the option to reclaim your high-end watch later, making it an ideal choice for those who wish to keep their item long-term.

How quickly can I access funds from my watch loan?

If you approve the terms of our offer, your funds will be disbursed the same day via cash, check, or wire transfer, whichever works best for you.

Does pawning affect my credit score?

No, pawning with Qollateral will not impact your credit score. The process is entirely confidential, and we don’t report to credit bureaus. If you choose not to repay your loan, the only consequence is forfeiting the collateral, with no effect on your credit history.

What happens if I don’t accept the loan offer?

If you’re not satisfied with the terms, there’s no obligation. We will immediately return your item without any cost or hassle.

How is my watch stored and secured?

Your asset is fully insured by Lloyd’s of London and stored in a secure vault within the International Gem Tower, one of the most secure facilities in the country. With decades of combined expertise, our appraisal team has maintained a flawless track record, ensuring your valuables are handled with the utmost care.

How do I retrieve my item after paying off the loan?

Once your loan balance is fully paid, we promptly return your items to you.

How long do I have to repay the loan?

Our loans have a 4-month term, but you can repay the loan in full at any time, with interest charged only for the elapsed period. At the end of 4 months, you can renew or redeem the loan. To renew, you’ll need to pay the accrued interest, after which a new ticket will be issued, extending the loan for another 4 months. Redeeming the loan requires full repayment of the principal and accrued interest.

Do I need to make monthly payments on a luxury watch loan?

No, interest payments are due every 4 months to keep the loan active during its term.

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Patek Philippe Watch Loans. Get a Secured Loan Against Your Watch!

Why sell your watch when you can turn it into a high-end collateral loan? Patek Philippe watch loans from Qollateral are fast, easy, and confidential, with secure financing backed by the highest valuations in the industry. A Patek collateral loan runs from $2,000 to $10 million, and the watch stays in your name throughout.

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Same Day Loans Against
Patek Philippe Watches

We’ve made it as easy as possible to loan against luxury watches. Schedule a private consultation with our expert valuation team to maximize the payout on your Patek Philippe watch, and then enjoy a stress-free experience without any hidden fees. A Patek loan is agreed and funded on the same day in almost every case.

Loans against Patek Philippe watches are completed on the same day, and they start with a one-on-one consultation at our New York office or a virtual appraisal for out-of-state clients. Simply get in touch to schedule your appointment. We will arrange a Patek Philippe loan for clients across the United States, with fully insured, pre-paid shipping on the same terms as an in-person visit.

How Our Process Works

As with all of our luxury watch loans, your Patek Philippe timepiece will be carefully evaluated to ensure we offer you the highest price on its secondary market value. Once we give you a loan amount, there’s no pressure or obligation to sign, so take your time and decide if you’d like to proceed with your collateral loan. If you do, we’ll instantly cash out your loan against your Patek Philippe watch, with the option to receive the full amount via cash, check, or money order: whatever you prefer.

While in our care, your Patek Philippe timepiece will be protected and fully insured by Lloyd’s of London. We provide 24/7 security for your luxury assets in our state-of-the-art vault at New York City’s Gemological Institute of America building, one of the most secure buildings in the nation, and we will be ready to deliver it back to you immediately at the end of your loan. Want to extend the terms? Just let us know, and we can continue holding onto your watch until you’re ready to close out your loan.

This is asset-backed lending, not consumer credit. If you have been looking for Patek Philippe financing, the difference matters: we are not financing a purchase, we are advancing funds against a watch you already own, with no credit check and nothing reported to the bureaus.

Benefits of Qollateral Loans

When you borrow against your Patek Philippe watch, you get more than just cash in your pocket. We’re fully dedicated to keeping our clients happy, and we specialize in collateral loan services rooted in integrity and care. Not all Patek Philippe lenders are set up for watches at this value: we are licensed and bonded by New York City’s Department of Consumer Affairs, and every piece is insured by Lloyd’s of London for the full term.

Seamless same-day loans
State-of-the-art security
Confidential services
Industry-leading appraisals
Professional staff
Obligation-free consultations

We know just how valuable your Patek Philippe watch is. And because we value it as much as you do, we’re proud to offer the nation’s highest collateral loan appraisals and friendly, professional service from start to finish. A loan against Patek with Qollateral is as straightforward as it gets, and we’ll always work our hardest to ensure you’re satisfied with the terms.

Which Patek Philippe Models and References We Lend Against

We lend against the full Patek Philippe catalog, current and discontinued. The lines we see most often are:

Nautilus – including 5711, 5712, 5980, 5990, and the 5740 perpetual calendar
Aquanaut – including 5167 and 5168
Calatrava and Golden Ellipse
World Time – including 5230 and 5231
Annual Calendar and Perpetual Calendar – including 5205 and 5236
Complications and Grand Complications – including the 5470 chronograph and the 5004 split-seconds
Minute Repeater and other high complications
Twenty~4 and the ladies’ collection

Metal changes the advance. A yellow gold Patek loan, a white gold Patek loan, and a rose gold Patek loan are each assessed against both the case weight and the market for that specific combination, and a platinum Patek loan carries the highest intrinsic floor of the four. A steel Patek loan on a Nautilus or Aquanaut is often the largest of all, because scarcity outweighs metal.

Provenance matters at this level more than any other brand. A Patek full set loan with the original box, papers, and certificate of origin appraises the highest. We still lend without them: a Patek no papers loan simply reflects a more conservative valuation. A vintage Patek Philippe loan is assessed on originality, dial and case condition, and service history, and our team will tell you plainly what we can see.

How It Works

How does the Patek Philippe watch loan process work?

How much can I borrow against my Patek Philippe watch?

How fast can I get a Patek loan?

Should I pawn or sell my Patek Philippe watch?

What happens if I decide not to accept the loan offer?

How secure is my Patek Philippe while in Qollateral's care?

How do I get my Patek Philippe back after repaying the loan?

What is the term for a Patek Philippe watch loan?

Do I need to make monthly payments on my Patek Philippe loan?

Some Of Our Recent Loans

Actual loan values may exceed the amounts shown. Displayed amounts reflect the borrower's requested draw, and vary based on item condition, market demand, and collateral evaluation.

Rolex

Rolex Oyster Perpetual Sky-Dweller Ref. 326934

Loan Amount: $13,000

Audemars Piguet

Audemars Piguet Royal Oak Selfwinding 41mm Watch

Loan Amount: $35,000

Audemars Piguet

Audemars Piguet Royal Oak Offshore Chronograph 42mm

Loan Amount: $30,000

Porsche

2016 Porsche Boxster Spyder (981 generation)

Loan Amount: $50,000

Rolex

Rolex Yellow Gold Sky Dweller 336938 Champagne

Loan Amount: $23,000

Audemars Piguet

Audemars Piguet Royal Oak Chronograph in 18k Rose Gold

Loan Amount: $50,000

Rolex

Rolex Land-Dweller 40mm Ref. 127334

Loan Amount: $13,000

Rolex

Rolex Sky-Dweller 42mm Blue Dial Ref. 326934

Loan Amount: $15,000

Rolex

Rolex Tiffany Oyster Perpetual Ref. 277200

Loan Amount: $5,000

Rolex

Rolex GMT-Master II Sprite Black Dial

Loan Amount: $12,000

14k Yellow Gold Solid Miami Cuban Link Chain

Heavy Gold Cuban

14k Yellow Gold Solid Cuban Link Chain

Loan Amount: $15,000

Audemars Piguet

Audemars Piguet Royal Oak Offshore “Panda” (Ref. 26170ST)

Loan Amount: $12,000

Patek Philippe

Patek Philippe 5980

Loan Amount: $80,000

Rolex

Rolex Datejust Ref 126334

Loan Amount: $8,000

Patek Philippe

Patek Philippe 5811/1g-001

Loan Amount: $125,000

Patek Philippe

Patek Philippe 5961r-010

Loan Amount: $90,000

Patek Philippe

Patek Philippe 5990/1R-001

Loan Amount: $188,000

Rolex

Rolex Datejust Ref 126300

Loan Amount: $6,000

Hermès

Hermès Birkin 25

Loan Amount: $12,000

Vacheron Constantin

Vacheron Constantin Gold Ref X45RV127

Loan Amount: $35,000

Rolex

Rolex Submariner Date 126610ln

Loan Amount: $8,000

Rolex

Rolex President Ombré Green Dial 228238 ref

Loan Amount: $45,000

Rolex

Rolex Hulk Submariner 116610LV

Loan Amount: $10,000

Platinum solitaire ring with large round brilliant diamond and pavé band

Tiffany & Co.

5ct Tiffany Diamond Ring

Loan Amount: $55,000

Van Cleef & Arpels

Van Cleef & Arpels Lady Arpels Pont des Amoureux Watch

Loan Amount: $28,000

Rolex

Rolex Day-Date President Ref 218348

Loan Amount: $25,000

Cartier

Cartier Love bracelet in Yellow Gold

Loan Amount: $3,000

Rolex

Rolex Datejust 178271

Loan Amount: $9,000

Audemars Piguet

Audemars Piguet Royal Oak ref. 77450SR

Loan Amount: $22,500

Rolex

Rolex Datejust Ref 126334

Loan Amount: $7,000

Audemars Piguet

Audemars Piguet Royal Oak Ref 15500ST.00.1220ST.03

Loan Amount: $25,000

Bulgari Serpenti Tubogas Watch in Yellow Gold with Diamonds

Bvlgari Watch

Bvlgari Serpenti Tubogas Gold Watch Ref 101923

Loan Amount: $18,000

Audemars Piguet

Royal Oak Stainless Steel Diamond Bezel Grey Dial

Loan Amount: $25,000

Rolex

Day-date 36mm Presidential Watch 118235A

Loan Amount: $18,000

Audemars Piguet

Royal Oak Offshore 2020

Loan Amount: $26,500

Rolex

Day-date 41mm Presidential Watch 218238

Loan Amount: $23,000

BMW M5CS

2022 BMW M5 Competition Sport

Loan Amount: $50,000

Patek Philippe

Aquanaut 5168G 2024

Loan Amount: $46,000

McLaren

McLaren 600 LT Papaya Orange

Loan Amount: $150,000

Patek Philippe

Patek Philippe Nautilus 5980/1r

Loan Amount: $80,000

Hermès Birkin

30 Himalaya Hermès Birkin Bag

Loan Amount: $50,000

Audemars Piguet

Royal Oak Stainless Steel Bust Down Watch

Loan Amount: $15,000

Rolex

Rolex Date Just Watch 41, Ref 126334

Loan Amount: $8,000

Patek Philippe

Rose Aquanaut Dual Time

Loan Amount: $85,000

Audemars Piguet

Royal Oak Double Balance Openworked – Factory-Set Diamond Baguette Bezel

Loan Amount: $130,000

Patek Philippe

Rose Gold Nautilus

Loan Amount: $100,000

Hermès Birkin

Faubourg “House Birkin” – Night

Loan Amount: $80,000

Hermès Birkin

30 Himalayan Gris Cendre

Loan Amount: $70,000

Hermès Kelly

Sellier 20 Doré Chevre Chamkilight – Permabrass Hardware (“Mini Kelly”)

Loan Amount: $20,000

Anthony Edwards Rookie Patch Auto

Panini Flawless /25

Loan Amount: $6,000

George Best Card

1964 Barratt & Co. Ltd Famous Footballers Series A.12 — PSA 9

Loan Amount: $25,000

Kobe Bryant BGS 9 Card

1998-99 Bowman’s Best Atomic Refractor

Loan Amount: $2,500

Tom Brady PSA 8 Card

2002 Topps Chrome “Own the Game” Refractor

Loan Amount: $800

Gold Coins

2x Canadian Gold Maple Leaf 1 oz

Loan Amount: $8,000

Rolex

GMT-Master II “Sprite” Green/Black Bezel Jubilee Bracelet Watch

Loan Amount: $11,000

Gold Bar

Fine Gold Bar Encased

Loan Amount: $3,205

Mickey Mantle Card

1952 Mickey Mantle #311 PSA 6

Loan Amount: $115,000

Monkey D. Luffy Card

2022 One Piece Monkey D. Luffy Super Pre Release Winner PSA 10

Loan Amount: $8,500

Portgase D Ace Card

2025 One Piece OP13 EN Portgase D Ace Red Manga PSA 10

Loan Amount: $8,000

Shanks Card

2022 One Piece OP01 EN Shanks Manga PSA 10

Loan Amount: $4,000

Audemars Piguet

Audemars Piguet Royal Oak Mini Pink Frosted Gold Quartz

Loan Amount: $42,000

Cartier Watch

Panthère de Cartier Watch

Loan Amount: $8,000

Bvlgari Watch

Bvlgari Serpenti Tubogas Lady Watch 18kt Yellow Gold

Loan Amount: $15,000

Bvlgari Necklaces

Bvlgari Serpenti Viper Necklace Rose Gold Necklaces

Loan Amount: $28,000

Hermès Kelly

Hermès Kelly 25 Blue Frida Epsom Sellier

Loan Amount: $6,000

Proudly offering the highest value collateral loans to clients in NYC and across the nation

100% Satisfaction Guarantee

Borrow Against Your Patek Philippe Today

If you’re looking to take out a loan on your luxury timepiece, we’re here to make it happen. Get in touch with our experts and get a high-value payout fast, without any of the back-and-forth of a traditional collateral loan.

Qollateral-Loans-Against-Patek-Philippe-Watches

Recommended Resources

High-end watches accepted for pawn loans at Qollateral, including Rolex, Patek Philippe, and Audemars Piguet.

Google Reviews

      EXCELLENT  
   Based on 172 reviews 
    
 
 
 
   
 
 
       Christina Topchu 
 
 
  I had a very pleasant experience with the team here at Qollateral. They made me feel very comfortable and answered all the questions I had. The office felt luxury and private in the GIA building with lots of security to get in, which made me feel comfortable leaving my valuables with Qollateral.
  
 
      James B 
 
 
  I needed quick access to capital and did not want to sell my Rolex. Qollateral gave me a fair loan offer and funded the loan the same day. The entire process was professional and discreet.
  
 
      Danny Anderson 
 
 
  Took out my first loan on some Pokémon cards i refuse to sell, the process was quick and easy and had the funds in minutes, Jonathan was very patient, very happy with their service. 5/5
  
 
      Kevin Revinov 
 
 
  Trustworthy, consistent and reliable team! Thank you.
  
 
      Christine D. 
 
 
  My experience with Qolatteral was excellent, and I highly recommend their services if you are considering securing a loan against a valuable item.
  
 
      Алиса Ёрчук 
 
 
  I was nervous about shipping my watch collection but everything was fully insured and handled professionally. Communication was excellent throughout the process.
  
 
      Yuriy Babadzhanov 
 
 
  I compared several luxury asset lenders before choosing Qollateral. Their offer was the strongest and their customer service was exceptional from start to finish.
  
 
      Cameron Swanson 
 
 
  Great experience, super fast, and Jonathan was extremely helpful for a quick loan experience on Graded Pokemon Cards
  
 
      Nata Justley 
 
 
  This office is most dedicated to providing outstanding service and ensuring customer satisfaction through clear communication, transparency, and efficient solutions
  
 
      Sherif Shabaan 
 
 
  Best team on 47st. Very secure and knowledgeable. Will do business again
  
 
      ExclusiveAuto 
 
 
  Just had to come here and mention my fantastic experience with Qollateral. Greg was professional, responsive, and made the entire process smooth and straightforward from start to finish. Communication was excellent and everything was handled quickly and transparently. Will definitely be working with them again.
  
 
      aleksandra chernobrodskaya 
 
 
  I just transacted with their office with a new Chanel bag. I’m very pleased with the service and the deal I got. Thank you))
  
 
      Shivam Soni 
 
 
  Had a great experience working with Qollateral. I needed some quick cash and was able to give me a $6,000 loan using a few of my graded Pokémon cards as collateral. Super easy process from start to finish. I emailed them and got a response with an offer in under 30 minutes. Went to the office the same day and had cash in hand within an hour. Everyone was professional, transparent, and easy to work with. Definitely recommend if you’re looking for a fast and straightforward way to leverage your collectibles without selling them.
  
 
      L L 
 
 
  Amazing staff and service, i've got a great qoute for watch and jewelry ! will continue doing business with them!!
  
 
      Ekaterina Savitskaia 
 
 
  i’m very pleased with the service I received at this office. Was very surprised and how  everyone was thank you very much.
  
 
      Brandon Govender 
 
 
  Premier Services from A to Z Michael is transparent and provides top tier vault solutions for your luxury items. Highly recommend for reasonable rates and working with great people.
  
 
      mendy bankhalter 
 
 
  I was very happy working with Michael , he delivered a fantastic experience for me.
  
 
      Tomi Rivera 
 
 
  I had a great experience with this company. The loan process was quick, simple, and very straightforward. Everything was explained clearly, and the funds were provided in a timely manner when I needed them most. The customer service team was professional, helpful, and responsive throughout the process. I truly appreciate how smooth the experience was and would definitely recommend them to anyone looking for a reliable loan option. Again, Seamless process from start to finish. Ellen was great very helpful, professional, and made everything easy to understand. Highly recommend!
  
 
      Mordechai Shalouh 
 
 
  I brought my AP  watch to the office. Before that, I quoted it with three other , and they gave me the best offer. ps great Office
  
 
      Morris Ades 
 
 
  Great team, very knowledgeable, and very professiona. Me and my wife loved working with them.

View All Reviews

Patek Philippe Watch Loans. Get a Secured Loan Against Your Watch!

Same Day Loans Against
Patek Philippe Watches

How Our Process Works

Benefits of Qollateral Loans

Which Patek Philippe Models and References We Lend Against

How It Works

Some Of Our Recent Loans

Proudly offering the highest value collateral loans to clients in NYC and across the nation

Borrow Against Your Patek Philippe Today

Recommended Resources

Pawn Your Watch Online: Rolex, Patek, Richard Mille and More

The Holy Trinity Of Watches

How Much Is My Luxury Watch Worth? What You Need To Know About Luxury Watch Value

Google Reviews

Patek Philippe Watch Loans. Get a Secured Loan Against Your Watch!

Same Day Loans Against Patek Philippe Watches

How Our Process Works

Benefits of Qollateral Loans

Which Patek Philippe Models and References We Lend Against

How It Works

Some Of Our Recent Loans

Proudly offering the highest value collateral loans to clients in NYC and across the nation

Borrow Against Your Patek Philippe Today

Recommended Resources

Pawn Your Watch Online: Rolex, Patek, Richard Mille and More

The Holy Trinity Of Watches

How Much Is My Luxury Watch Worth? What You Need To Know About Luxury Watch Value

Google Reviews

Same Day Loans Against
Patek Philippe Watches