Borrow against Luxury Watches

Time for a short-term loan? Use your luxury watch today.

In ancient times, the sun was our gauge of time. In the 13th century, mechanical clocks came to prominence. In 1485, Leonardo da Vinci sketched a fusee for a clock. It tooks another 20 years for Peter Henlien to invent what is considered to be the first pocket watch. The rest is history.

Today, watches are as much items of jewellery as they are functional items to tell time. It is a symbol of success.

And for the successful individual, Unbolted has developed the unbeatable Unbolted Watch loan.

Take advantage of your luxury watch. You can quickly release funds against its value today. No paperwork. No credit checks.



An offer within hours

To get things moving, just upload a picture of your watch using Unbolted's online form. You'll receive a loan offer inside three hours.

Next, send us your watch via our fully insured next-day courier. Or you can drop it off at our location in the City.

If you work in the City and the indicative value of your watch, is greater than £5000, we will arrange to pick up the watch directly from you.

We then disburse your loan and the money's with you within 24 hours of contacting us.



Tell us about your watch

To offer you the maximum possible loan, we will need some details:

  • Brand: We lend against all luxury brands including Rolex, Breitling, Bulgari, Chopard, Maitres du Temps, Christophe Claret, Franck Muller, IWC, Patek Philippe and Richard Mille amongst others.
  • Model: Brand model and number - usually found on the back of the watch.
  • Fitted case: Still have the original box and paperwork? Watches with original cases sell well.
  • Condition: Scratches to glass or wear to bracelet will affect value. Please also state if your watch has been “later added” - diamonds added to the bezel etc.

Ready to get started?
Submit an application today

Valuing a Diamond

Valuing Your Luxury Watch

We understand the emotional and financial attachment to your watch. It may have been a gift or a personal reward. At Unbolted, we have a streamlined, fair and transparent process to ensure the most accurate determination of the secondary market value.

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Specialists in Luxury Watches

Our partners Fellows have a dedicated team for Watches. We also work closely with other specialists to determine the most accurate secondary market valuation.

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Storage and Shipping of your Watches

Your watch is not just a precision timepiece but it is also jewellery. We ensure the proper care and control of the environment to protect your watch.

You may use our fully insured Royal Mail delivery program or alternatively, you may drop off the watch at our convenient office in the City of London.

If you work in the City of London or Canary Wharf, you may qualify for our unique specialist collection service. Please ask for details.

Our Guarantee

The lowest borrowing costs in UK

We believe that you cannot find a better offer but if you do we will beat it.

Fair and transparent terms

Unbolted never deducts fees upfront - so you receive the full loan amount.

You retain repayment flexibility - we don't impose early-repayment penalties.

If you find you can't pay back your loan we will sell your item - and we will return any surplus from that sale to you.

APR and Loan Terms

Minimum APR: 18.8%. Maximum APR: 63.1%.

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

Representative Example: Total credit: £4000. Set-up fees: £120. Loan term of 6 months. Annual Interest rate: 37.2% (fixed). Interest for 6 months: £766.32. Amount repayable in one installment: £4,886.32. Representative APR: 49.2%.

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

What our customers say

Borrow directly from peer-to-peer lenders at low interest rates. Rep APR: 49.2%

Reflections

A watch collectors guide to investing in new watches

In the autumn of 2017 a world record was broken. A wrist watch sold publicly at auction in New York for $17,752,500. The auction house that conducted the sale was Phillips de Pury - Bacs & Russo. The sale of this watch made big headlines in regular media, for ...

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Introducing the most complicated wristwatch in the world

Luxury watches constitute one of the categories of high-value assets we collateralise as security for our unique secured asset loans at peer-to-peer lender Unbolted. We thought we’d take a closer look today at an exceptionally high-value watch, manufactured by one of the “holy trinity” of Swiss watchmakers, Vacheron Constantin (the ...

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What are the luxury watches to watch in 2016?

Luxury watches are amongst the broad range of asset categories we use as collateral for our unique, low-interest secured asset loans at peer-to-peer lender Unbolted. It’s fair to say that an atmosphere of economic uncertainty has descended on the new watch business in 2015, with retail sales declining throughout the ...

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The English and Their Watches - Part 2

As we noted last week, it’s become an established fact that beautifully crafted classic timepieces with  hundreds of minuscule, precision-made moving parts aren’t simply fetes of engineering wizardry, they’re works of art. Each one contains at least 150 tiny mechanical components, including miniature gears, levers, mainsprings, “anchor escapements,” jewel-lined ...

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The English and Their Watches - Part 1

In his illuminating 2014 study, The English and Their History: The First Thirteen Centuries, University of Cambridge history professor Robert Tombs makes this remarkable observation whilst discussing the rapidly rising productivity and living standards of working people in the eighteenth century:

“New habits of consumption reached not only the ‘middling ...

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The Rolex that helped to build a beautiful home

Jessica and Alex recently had a nasty experience. An agency nurse and a secondary school teacher respectively, they had secured a partial advance on a mortgage last year to renovate a delightful but highly dilapidated cottage. Located in an idyllic little village not far from the town where they both ...

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How an antique fob watch saved a small business

Cash flow management is a constant stressor SMEs, especially in the early days. Imagine you’re the owner of a small garage; you’ve won a contract to service and maintain a fleet of cars for a large company and, on paper, your business is profitable. But paper and reality don’t always ...

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Skate’s art business news now covers fine watches

Skate’s, the business news outlet of New York-based visual arts magazine Art News and the world’s leading art business intelligence company, has finally done what many art dealers and auctioneers around the world have been urging it to do for some time - expanded its coverage to include fine watches and ...

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Green with Envy

Continuing its collaboration with Gemfields, the world’s oldest diamond company Backes & Strauss has created the unique Piccadilly Princess Royal Emerald Green watch – and it’s a truly timeless masterpiece. 

The Piccadilly Princess Royal Emerald Green watch is the third in a series of five unique watches, following the ...

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SalonQP - Are you ready?

Some of the most popular watch brands in the UK Rolex, Patek, Omega, Breitling, Tag Heuer, Officine Panerai, IWC Schaffhausen, Hublot,  Chopard,Breguet, Cartier, Jaeger-LeCoultre, Vacheron Constantin, Chanel, Tudor, Longines, Paiget and Rado. However, the newest watch are always featured at Salon QP.

"Taking over all three floors of the gallery ...

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German watches: Teutonic Timekeepers

Think of high-end timekeeping and most people will cite Switzerland as the mecca of haute horology. However, over the last twenty years or so, watch aficionados have increasingly been buying up pieces from its northern neighbour, Germany.

On the face of it, Germany’s watch-making prowess shouldn’t come as much of ...

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Patek Philippe: The Grand Exhibition

The Saatchi Gallery recently hosted the Patek Philippe Grand exhibition. On display until the 7th June 2015, this was a fantastic opportunity to not only learn more about the history of this luxury watch brand, but to also see the most recent models and the rare 175th anniversary watch, and ...

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Investing in Watches: Patek Philippe vs Rolex

There is much to consider when investing in a watch. Not only are you buying a useful tool for your everyday life, the right choice could mean that your purchase will hold its value in years to come. The Watch Adviser has published a useful blog post about how to ...

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