Pawn Watches
Looking to Loan Against Your Luxury Watch?
We provide fast pawnbroking loans against your luxury watch. We lend against many prestige watch brands including Rolex, Patek Philippe, Cartier, Vacheron, Jaeger-LeCoultre, Frank Muller, IWC, Omega, Breitling, Panerai, Audemars Piguet and many more. Get in touch with us today to receive a quote.
Why choose us
Fast
Receive money in as little as an hour.
Expert
Trusted pawnbroker and jeweller for over 250 years.
Competitive
Accurate valuations and competitive loan rates.
Confidential
Discreet service with no credit checks.
Fast
Receive money in as little as an hour.
Expert
Trusted pawnbroker and jeweller for over 250 years.
Competitive
Accurate valuations and competitive loan rates.
Confidential
Discreet service with no credit checks.
Get a Free Quote NOW
0800 038 9839A FAST AND SIMPLE PROCESS
Contact us
Get in touch with us online,
in-store or by phone.
Accept Offer
RECEIVE YOUR OFFER FROM OUR
SPECIALISTS IN AS LITTLE AS 1 HOUR.
RECEIVE MONEY
ACCEPT THE AGREEMENT AND RECEIVE
THE MONEY VIA SAME-DAY BANK TRANSFER.
GETTING YOUR WATCH TO US
WE OFFER SEVERAL OPTIONS:
IN-STORE
Bring your watch(es) into one of our London stores today. You are welcome to book an appointment with our expert appraisers, and they will be ready to meet you when you arrive.
COURIER SERVICE
Use our free insured Special Delivery courier service to send your watch(es) to us, or we can send our courier to you to collect your watch(es). Receive money in 24 – 48 hours from your home.
STAFF COLLECTION
Have your high value watch(es) collected by one of our staff members at a convenient time and place for you.
HOME VISIT
For high value watch(es), our specialists can come to you to value your luxury assets.
Valuing Your Watch
Our highly trained specialists carefully assess each watch and take into consideration the brand, model, condition, desirability, age, provenance, quality of craftsmanship and market value to ensure we provide you with the most accurate and up to date valuation loan estimate. The five most important factors are:
BRAND AND MODEL
This is one of the most important factors that drives value. Limited editions of either vintage or modern watches are deemed higher value and attract interest from collectors. Furthermore, certain models of luxury brands such as Rolex and Patek Philippe tend to hold their value much better over time than other less prestigious watch brands.
PROVENANCE
If you have the original box, a certificate of sale or any papers that record information about your watch, this adds value. If you have lost or misplaced them, don’t worry, we will still be able to provide you with a loan estimate.
CONDITION
The overall working aesthetic condition can affect the value of a watch. We understand that over time your luxury watch might have some wear and tear, though any significant dents, scratches, repairs, restorations or other damage to the glass or bracelet can impact the value.
MARKET VALUE
We consider any recent information we can locate from auction private sale records to ensure our valuations are accurate.
We also check your watch against lost and stolen registers as part of our due diligence.
AGE
The age of your watch can have a positive or negative impact on value. Contemporary and modern watches tend to have a higher value when they are newer. Vintage watches are valued on their rarity and condition. Read more about our valuation process for watches.
Security and Care
LOOKING AFTER YOUR WATCH
TRANSPORT
If you use our courier service to have your watch(es) collected from your home or you send your items to us, they will be insured up to £20,000 during transportation.
If your watch(es) is of high value and you use our staff collection service, they will be insured up to £100,000 during transportation.
STORAGE
Whilst your watch(es) is with us to be valued by our specialists or if your watch(es) is under loan with us, it is stored in protective packaging in our highly secure vaults.
CARE
When your watch(es) is with us, we take every step necessary to look after it. Our valuation specialists and inventory managers handle your watch(es) with care to make sure your luxury valuables are returned to you in the same condition we received them in.
Previous Loan Examples
Omega
£1,300
Rolex
Submariner Hulk
£9,000
Audemars Piguet
Ladies Royal Oak 18ct Gold
Loan of £10,000
Cartier
£3,000
Audemars Piguet
Ladies Royal Oak Steel
Loan of £7,000
FREQUENTLY ASKED QUESTIONS
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, Suttons and Robertsons have been providing a trustworthy pawnbroking service since 1770. We can assist you in raising instant finance using your luxury watch as loan collateral. Don’t worry if you have never used a pawnbroking service before, our customer service team are there to assist you through the process.
Can I pawn my watch online?
Yes. Suttons and Robertsons are an in-store and online pawn shop. If you want to transact with us from home, rather than coming into one of our stores, you can apply online and use our secure home collection service. If you use our home collection service and decide you don’t want to accept our loan offer, we will arrange for your item(s) to be returned to you free of charge. Alternatively, you are welcome to collect your item(s) in-store.
How much can I pawn my watch for?
We offer loans from £500 up to £2 million. Suttons and Robertsons can lend up to 60% of the value of your luxury watch. This means that if you are pawning a Rolex watch valued at £8,000, we could lend you a maximum of £4,800 (60% of the value). We always aim to provide our clients with the maximum loan amount though the amount depends on many factors, including the brand model, condition, age, provenance and market value.
WATCH BRANDS WE LOAN AGAINST
WE LOAN AGAINST MANY BRANDS INCLUDING BUT NOT LIMITED TO:
Our Pawn Shop Interest Rates
| Loan Amount | Monthly Interest Rate | APR % (Annual Percentage Rate) |
|---|---|---|
| £0 – £4999.99 | 6.5% | 93.21% |
| £5,000 – £14,999.99 | 6.0% | 84.96% |
| £15,000 – £49,999.99 | 5.0% | 69.00% |
| £50,000+ | 4.0% | 53.76% |
Our Pawnbroking Loan Rates
Terms
All our loans are for 6 months and are secured against your valuables. Maximum APR (including all fees): 93.21%. Minimum and maximum repayment term of 6 months. These loans are redeemable at any point during the loan period. Only the loan amount and accrued monthly interest are payable if the loan is redeemed before the end of the loan term.
REPRESENTATIVE EXAMPLE
Loan amount of £1,000. Loan term of 6 months. Interest rate of 6.5% per month (fixed). Total interest of £390 over 6 months. Total repayable amount in one instalment is £1,390. Representative APR is 93.21% (including all fees).
Risk Warning: If the loan is not repaid, the assets may be sold.
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