A Smart, Confidential Way to Access the Value on Your Wrist
Luxury watches aren’t just accessories — they’re assets. Whether you’re a collector or simply own a piece with lasting value, borrowing against your high-end watch can be a discreet and efficient way to access capital without giving up ownership.
Here’s how the process works and what to expect.
Top Brands That Typically Qualify
While every loan is evaluated individually, these brands tend to hold strong value and are regularly accepted as collateral:
- Rolex
- Patek Philippe
- Audemars Piguet
- Richard Mille
- Omega
- Cartier
- Hublot
- Panerai
Condition, model rarity, service history, and included documentation can all influence the appraised value.
What Lenders Look For in a Luxury Watch
The strength of your loan offer depends on a few key factors:
- Model and reference number
- Brand reputation and resale demand
- Presence of original box, warranty card, or papers
- Overall condition — scratches, service status, functionality
- Market trends (some models spike in value over time)
Even without the box or paperwork, we can still appraise your watch based on brand and condition.
How the Watch Loan Process Works
- Book a Private Appointment
No walk-ins — we operate on a strict privacy-first basis. - Receive an On-the-Spot Appraisal
Conducted by professionals who specialize in luxury timepieces. - Accept the Loan Offer (If You Choose)
We discuss terms and store your watch in a secure, climate-controlled vault. - Get Funded Quickly
Many loans are funded the same day the watch is appraised. - Get It Back When You’re Ready
Repay the loan and your watch is returned — simple and discreet.
Why Borrow Instead of Sell?
For many of our clients, the goal is temporary liquidity — not letting go of a prized possession. Borrowing against a watch:
- Preserves long-term ownership
- Avoids market volatility or low resale offers
- Provides flexibility without liquidation
Why Palm Beach Loan?
We’ve built our reputation by working with clients who expect white-glove service. When it comes to luxury watches, we provide:
- Private, appointment-only evaluations
- Expert watch appraisers on staff
- Full transparency in the valuation process
- Discreet handling and insured storage
- Same-day turnaround in many cases
Have a Watch You’d Like to Borrow Against?
Let’s talk. Whether it’s a modern Rolex Submariner or a vintage Patek Philippe, we treat every watch with care and confidentiality.
👉 Contact us today to schedule your private appraisal.