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Loan against watch

Pawn watches

Loan on your watch, whether it's an everyday luxury piece or a rare collector's timepiece. Do it all from home or visit us in London, with offices UK wide.

Competitive offers
Quick payment
Confidential service
Safe & secure
Watch pawnbrokers

How to pawn a watch

Pawning a watch with us is simple. Get a quote, get your watch to us and receive a final valuation. We then look after it and return it to you at the end of your loan.

Getting your watch to us

In person

We welcome walk ins, though for larger collections or rare watches we recommend an appointment. We have three London showrooms and offices nationwide, with private rooms for clients.

From home

Our watch courier options are fully insured in transit, with money reaching you within 24 to 72 hours. For larger collections, a senior valuer can visit you at home.

Valuing your watch

Our specialists assess each watch to give an accurate, up to date loan price, based on resale value rather than insurance value as is standard across the industry. We consider these factors:

  • Brand and model: names like Rolex and Patek Philippe hold their value best
  • Provenance: the box, papers and warranty card increase your offer
  • Condition: damage to the case, dial or bracelet may reduce our offer
  • Market value: auction results, private sales and WatchCharts pricing
  • Age: newer modern watches and rarer vintage pieces are usually valued higher

How we care for your watch

While your watch is with us it is in safe hands, our reputation depends on it. Every loan is given a unique reference number, so your watch is always identifiable and accounted for. It is handled under CCTV and kept in secure vaults, protected by state of the art security. If your watch has no box, we will provide one.

For mechanical watches, we can carry out movement checks and wind on request. Everything you hand over, including accessories, box and papers, is catalogued and audited, so it is all returned in the same condition we received it.

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Tell us about the asset you would like to raise money on. For multiple items, add the details in the additional information field.

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What luxury asset do you have?

  • Fine art
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  • Classic cars
  • Diamonds
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  • Bracelets
  • Bangles
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  • Chopard
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  • Cartier
  • Piaget
  • Tiffany & Co.
  • Van Cleef & Arpels
  • Bvlgari
  • Chopard
  • Graff
  • Boodles
  • Boucheron
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  • De Beers
  • Harry Winston
  • Gucci
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Original box

Original paperwork

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A clear image of the full item from the back.

Brand / signature markings

A close up of any logo, signature or maker's mark.

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Any hallmark, stamp, model number or assay mark

Accessories & packaging

Any box, papers, warranty cards or other extras.

Supporting documents

Any receipts, certificates or valuation reports.

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WATCH PAWN SHOP

Why loan against watches with us

Watch lending is a core part of what we do. Over £100 million of the £300 million we have financed since 2010 has been on luxury timepieces. We lend up to 70% of the resale value, on everything from a Tag Heuer to a rare Rolex 'Paul Newman' Daytona, with single watch loans ranging from £500 to over £500,000. Because we are backed by an institutional private equity company, we can fund high value loans quickly, without the delays other watch loan companies face. Every valuation is overseen by senior specialists with over 100 years of combined experience, who have worked at Watches of Switzerland and auction houses such as Bonhams.

brands we accept

Watch brands we loan against

Previous examples

Recent watch loan examples

Explore a selection of recent loans we've provided against luxury watches. These examples showcase the exceptional timepieces we lend against and the competitive funding we provide based on their value.

WATCH PAWNBROKERS

Tips for borrowing on watches

A few practical tips to help you get the most from your watch loan and plan your repayment.

Share your documents and packaging

Provide any original certificates, receipts and packaging. They confirm what your piece is and can increase your offer.

Know your watch's details

Note the key details such as the brand, model, reference number, case material and bracelet type. The more you can tell us, the more accurate your quote.

Have your watch serviced regularly

It is not a requirement for a loan, though if the watch has been serviced regularly by the manufacturer, it will increase the valuation.

Keep it original where possible

Aftermarket modifications, such as parts or gemstones added after the watch left the manufacturer, can actually reduce its value.

You don't have to use a local lender

If you can't reach a watch specialist in person, you can borrow against your watch entirely online with a lender that offers an insured collection service.

Have a plan to repay the loan

Think about how and when you will repay before you borrow, so you can redeem your watch comfortably within or at the end of the loan term.

GET IN TOUCH

Get started

Get in touch with our team for a free quote and start raising money on your luxury assets today. It only takes a few minutes to get started.

YOUR QUESTIONS ANSWERED

Frequently asked questions

Everything you need to know about loans against watches.

Do you do free online watch valuations?

Yes, we provide free, no-obligation watch valuations. Our experts assess the brand, model, condition, age and market demand to provide a fair offer. Valuation are based on resale or auction-based prices, rather than insurance values and are specifically for those looking for watch lending or to sell their watch.

Do pawn shops take watches?

Yes, most pawn shops loan on watches, but not all specialise in luxury timepieces. At Suttons and Robertsons, we focus on premium Swiss and high end brands.

How do I get a loan against my watch?

Getting a loan against your watch is simple. Share details of your watch online or visit one of our branches. Once we provide a valuation and you accept the watch pawn value, we’ll arrange the loan agreement and transfer funds directly to your bank account.

Can I pawn expensive watches?

Absolutely. We regularly loan on watches of high value, from Rolex and Patek Philippe to Audemars Piguet and Richard Mille. Get in touch with us to loan against your expensive watch. Our loans are from £500 up to £2 million.

Which watch brands can I pawn?

Watches that can be pawned with us include a wide range of luxury Swiss and high–end watch brands, including Rolex, Patek Philippe, Cartier, Omega, Breitling, Audemars Piguet, Vacheron Constantin, IWC, Piaget, Tag Heuer, Jaeger-LeCoultre, and more.

Do pawn shops take smart watches?

While some high street pawn shops may take smart watches, we are a luxury pawnbroker and specialise in loans on designer watches.

Where can I pawn my watch?

If you are looking where to pawn your high end watch, London has the most premium watch pawn brokers. You can pawn your watch at any of our three London branches, Victoria Street, Edgware Road, and South Kensington. We also offer a secure nationwide home collection service if you cannot get to one of our pawn shops.

How much is my watch worth at a pawn shop?

The value depends on factors such as brand, model, condition, age, and provenance. Our specialists use up-to-date market data to provide a fair and competitive watch loan offer.

In some cases, luxury watches can be even be worth more than their original retail price. For example, a Rolex purchased for £10,000, may now be valued higher on the secondary market, meaning its possible that you could borrow more than you originally paid.

Do pawn shops take broken watches?

Yes, although not all pawn shops accept broken watches. It depends on the extent of the damage. If the watch is made of a precious metal like gold or platinum, we may be able to offer a loan based on the weight and purity of the metal rather than the watch’s inherent value. If the watch is repairable, we may still be able to loan on the watch.

Is it better to sell or pawn watches?

It depends on your needs. Pawning a watch allows you to access quick funds without parting with your watch permanently, making it ideal for short–term finance. Selling your watch is more suitable if you no longer wish to keep the watch and need quick cash for watches.

Is my watch secure during the loan period?

Yes. All watches are stored in protective packaging in our highly secure London–based vaults. Our team handles your watches with care and will be returned to you in the same or better condition we received them in.

Do you offer cash for watches?

Yes, we offer cash for watches in the form of a loan, and we also purchase watches.

Can I pawn my watch without box and papers?

If you do not have the original box and papers such as the warranty card and receipts for your watch, you can still pawn it with us. Having papers and packaging will increase you amount you can borrow against your watch, but this is not essential, and we can loan against watches without them.

Why loan against your watch?

Luxury watches often have sentimental value, collected as an investment piece or bought to remember or celebrate a particular achievement. Luxury watch owners are often reluctant to sell their luxury timepieces and therefore securing funds against their watch can often be the best option when looking to raise short–term finance.

Can I pawn a used watch?

Yes. If you are trying to find out if you can borrow money against the value of your watch, we have been trustworthy pawnbrokers for watches since 1770.

Can I pawn my watch online?

Yes. Suttons and Robertsons are an in-store and online pawn shop for watches. If you want to transact with us from home, rather than coming into one of our stores, you can use our insured courier service. If you choose not to proceed, we will arrange for your item(s) to be returned to you free of charge.

How much can I pawn my watch for?

If you are wondering how much pawn shops pay for watches, we can lend up to 60% to 70% of the value of your luxury watch. This means that if you are pawning a Rolex watch valued at £10,000, we could offer up to £7,000 as a loan. We always aim to provide the maximum loan amount, though the amount depends on the brand, model, condition, age, provenance and market value.

Can I pawn my pocket watch?

Yes, we accept pocket watches as security for a short term loan, provided they meet our lending criteria – including our minimum loan amount.

Can I sell my watch at a pawn shop?

Of course you can, high end pawn shops like us offer competitive offers to buy your watch. If you are unsure whether to sell or loan, get in touch for instant watch valuations.

Can I pawn my watch near me?

Yes, if you are based in London and looking to pawn watches nearby, we are based in central London and accept luxury watches are collateral for loans.

Which luxury watches do you not accept?

We do not offer watch lending on lower value watches from brands such as Michael Kors, Citizen, Bulova, Armani and Tissot. If you are unsure whether your watch qualifies, please get in touch.

Do pawn shops take watches with a dead battery?

Yes we loan on watches with quartz (battery powered) movements. We may need to repair the battery to confirm the watch is fully functional before finalising the loan. It’s advisable to ensure the battery is working for the quickest service.

Can a pawn loan be used to finance a new watch purchase?

Yes. Many of our clients use pawn loans to release the value from their existing watch collection to fund a new watch purchase or expand their collection. It can be a flexible alternative to traditional watch finance options like a personal loan for a watch.

Do pawn shops buy stainless steel watches?

Yes, though we would only buy stainless steel watches from the luxury watch brands with resale value.

What should I know about buying watches at pawn shops?

If you are looking for pawn shops selling watches, we offer a selection of excellently priced luxury watches for sale in our London pawn shops and in our online shop.

Show more
our team

Our luxury experts

All our valuation team members enrol in regular training programmes to keep their knowledge up to date, and all valuations are overseen by our senior category specialists.

Michael

Head of Jewellery

Kris

Head of Watches

Rachel

Head of Handbags

TERMS AND REPRESENTATIVE EXAMPLE

Our loan rates

All loans are for 6 months and secured against your luxury assets. Maximum APR (including all fees) 93.21%. Loans may be redeemed at any time during the term. If redeemed early, only the loan amount and accrued monthly interest are payable. Representative Example: £1,000 over 6 months at 6.5% per month (fixed). Total repayable £1,390. Representative APR 93.21%. Risk Warning: If the loan is not repaid, the assets may be sold.