Luxury Watch Pawnbrokers

Apply online for a secure, quick pawn loan on your luxury Watch

Watch Pawnbrokers

More and more people are investing in luxury watches, drawn to them for their functionality, beauty, and history. Similar to the vintage car and furniture markets, the watch industry has seen an increase in the number of investors making money buying and selling watches, often at high-profile auctions. As a result, this makes watches one of the most popular items to pawn.

We lend against many luxury watch brands including Rolex, Tag Heuer, Patek Philippe, Cartier, Vacheron, Jaeger LeCoultre, Franck Muller, IWC, Omega, Breitling, Panerai, Audemars Piguet, and many more. We can help you gather some extra funds and unlock the value of your watch, helping you get the maximum amount with market-leading interest rates. We also offer services to pawn all types of jewellery.

Many pawnbrokers will offer to lend against your watch, however, they don’t offer the same services that we are uniquely positioned to provide. An established FCA regulated pawnbroker, we combine the specialist valuation expertise of auction houses and dealers with our custom developed pawnbroking software and  an experienced operations team. Our peer-to-peer lending platform confirms loans quickly and guarantees an easy and confidential transaction.

Valuing your Watch

The amount lent on each watch will depend on several factors, including:

  • You can often check this by looking at the serial number.
  • Whether you have the original documentation.
  • Whether you have the original packaging. 

Your Specialist Online Pawnbroker

Are you concerned about the interest rates and charges on pawn loans? Don’t worry. We operate differently to traditional pawnbrokers. We provide a simple and transparent online service, at an interest rate that is comparable to credit cards.

Instead of a shopfront, we have discreet offices based in the City of London. We use a simple online platform to process our loans, and then we pass the savings onto our borrowers, allowing us to offer the most competitive pawn loan interest rates. All you have to do is upload a picture of your item, describe it, apply for a loan, and you receive an indicative offer.

Borrowing against your watch is a simple and easy way to free up your funds – without letting go of your precious assets. Our loan terms are fair and transparent, and our small team is always at hand to answer any questions or discuss your loan.

How to Pawn your Watch

We provide a hassle-free process so you can quickly receive cash for your watch. You can apply for a pawn loan against your watch in three simple steps:

  • Step 1 – Upload photos of the watch that you wish to give as collateral. You will receive the loan offer within two hours.
  • Step 2 – Courier your watch to us using Royal Mail Special Delivery, or make an appointment to meet us in our discreet office in the City of London. If you choose to post your items, we will cover the insurance during transit.
  • Step 3 – Once the watch has been carefully assessed in person, all you need to do is accept your loan offer. The funds will then be in your account within minutes.

Is Borrowing Against a Watch Right for You?

You might not have used a pawnbroker before or may be unsure of the process. The traditional pawn shop image of a valuer sitting behind a counter in a high-street booth is far from the reality with us. There are a wide range of benefits to a pawn loan, some of which you might not have been aware of. So, if you are unsure about the idea of borrowing against a watch, here are the benefits:

No Tedious Paperwork – We know that your time is precious. That’s why our application process is online – quick and simple.

No Credit Checks – The security of a watch pawn loan does not depend on your financial history. As we are lending money against your assets, your credit score is not relevant to the decision to lend.

Spot-Free Credit Score – Even if you are unable to pay back the loan, your credit history will remain unaffected. We do not report any failure to repay loans and if you wish to walk away from the loan, we sell the assets and transfer the excess funds back to your account.

Easy Access – Receive 70% against the value of your watch simply by completing our hassle-free online application from the comfort of your home or office.

Discreet and Flexible – We understand that financial arrangements can require discretion.  We communicate only by email and phone with the named borrower, and we post items back in discreet unmarked packaging. Should you wish to make an appointment to meet us, we have an unbranded office in the City of London. We do not have a shop, so do not retail defaulted items.

Low-Interest Rates – We are committed to helping you get loans at the lowest possible rates. Our interest rates are less than half of what other high street lenders charge from borrowers.

To easily understand the interest rates we charge, we have prepared an indicative example of how they are calculated on pawn loans. If you have any questions about a loan, our small team is always at hand to help.

Representative Example: Total credit: £4000. Set-up fees: £120. Loan term of 6 months. Annual Interest rate: 40.2% (fixed). Interest for 6 months: £828.12. Amount repayable in one installment: £4,948.12. Representative APR: 53.0%.

Minimum APR: 18.8%. Maximum APR: 67.1%..

All loans are for a fixed term of 6 months. You can repay early at any time without penalty.

Risk Warning: If the loan is not repaid, the assets may be sold.

So, what are you waiting for? Unbolt your assets and release the funds tied up in your watch! Get in touch with us today.

Frequently Asked Questions

Is it better to pawn or sell watches?

Whether or not you should pawn watches depends upon the urgency of your needs and your wish to keep your watch. If you need funds immediately and also wish to get your watch back then the ideal thing to do would be to take a loan on luxury watches.

Why should I choose Unbolted for pawning my watches?

Unbolted has transformed the pawnbroking landscape with the help of our valuation experts and the use of technology. Pawn watches with us and receive a loan-to-value with market-beating interest rates. Also, we will ensure a 100% transparent and fair process for your loan on luxury watches.

How does your pawn shop determine the value of a watch?

Before extending loans on luxury watches, Unbolted determines their value based on factors such as availability of original documentation and original packaging, brand name and model, condition. We pawn watches by combining the power of human expertise with custom pawnbroking software.

How quickly can I obtain my loan for pawning watches?

You can pawn watches with Unbolted with the click of a button. Just upload pictures of your luxury watch and we will offer you a loan on luxury watches within two hours. Once your watch has been assessed in person, you can expect to receive funds within minutes.

What is the interest rate for pawning watches?

Unbolted charges the most market-beating interest rates on our loans on luxury watches. To understand what we charge as interest when you pawn watches, read this example – Total credit: £4000. Set-up fees: £120. Loan term of 6 months. Annual Interest rate: 40.2% (fixed). Interest for 6 months: £828.12. Amount repayable in one installment: £4,948.12. Representative APR: 53.0%.


Minimum APR 18.8%     Maximum APR 67.1%

How long does the contract run for?

Unbolted offers loans on luxury watches for a fixed term of six months. You can pawn watches for this period within which you will need to repay the loan to get your watch back.

How do I know if my watch is valuable for pawning?

You can pawn watches that are rare and valuable, carrying a luxury brand name. Other features of pawnable watches include condition, availability of accompanying papers and original box, celebrity association, and most importantly, its patina which gives the watch’s dial a unique character.

How do I get my pawned watches back?

You can get your luxury watch back once you have cleared your loan on luxury watches. In case you fail to repay your loan on luxury watches within the fixed time period, your watch may be sold.

Will pawning watches affect my credit rating?

When you pawn watches with Unbolted, you do not risk hurting your credit rating. We do not ask for any credit checks at the time of disbursing your loan on luxury watches and your current loan will not affect your future credit rating.

How does Unbolted compare to other watch pawnbrokers?

Unbolted is steadily revolutionising the pawnbroking landscape and the way we’re doing it is by not following the crowd. You can pawn watches at half the interest rates offered by other pawnbrokers and still get a loan-to-value of 70% on your loan on luxury watches as opposed to the standard 50%.

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