Luxury watches aren’t just heirlooms or fashion statements — they’re high-value assets with liquidity. If you own a Rolex, Patek Philippe, Audemars Piguet, or other investment-grade timepiece, you may be sitting on a powerful source of short-term capital.
At Beverly Loan Company, we help clients borrow against their watches quickly, privately, and with confidence. Here’s how the process works — and what you need to know to get the most value from your timepiece.
Why Watches Make Ideal Collateral
High-end watches are ideal for asset-backed loans because they are:
- Globally recognized — with strong resale demand
- Easy to appraise — due to clear market comps and reference numbers
- Portable and secure — discreet, transportable assets
- Low-depreciation — especially vintage, rare, or limited-edition models
A well-maintained Rolex Submariner or Patek Nautilus can command a high loan value and offer fast liquidity — without ever leaving the hands of strangers.
Watches We Commonly Lend Against
We accept a wide range of luxury watches, including but not limited to:
- Rolex – Submariner, Daytona, Datejust, Day-Date, GMT-Master II
- Patek Philippe – Nautilus, Aquanaut, Calatrava
- Audemars Piguet – Royal Oak, Royal Oak Offshore
- Richard Mille – All references considered
- Cartier, Panerai, Omega, IWC, Hublot – Premium models with documentation
Whether your watch is brand-new, vintage, or part of a collector’s set, we’ll assess its current market value and issue a competitive loan offer.
How the Watch Loan Process Works
1. Schedule a Consultation or Walk In
We welcome clients by appointment in our Beverly Hills offices. Walk-ins are also accepted.
2. In-House Watch Appraisal
Our experts evaluate the brand, model, condition, box/papers, and market comps to determine the current fair market value.
3. Receive a Loan Offer
We provide a detailed offer including loan amount, interest rate, and repayment term. You’re under no obligation to accept.
4. Same-Day Funding
If accepted, funds are issued immediately via check, cash, or wire transfer.
5. Secure Storage
Your watch is stored in a fully insured, climate-controlled vault for the loan term.
How Loan Amounts Are Calculated
Several factors affect the value of your watch loan:
- Brand and Model Popularity
- Condition and Service History
- Presence of Box and Papers
- Rarity, Age, and Market Demand
- Precious Metals or Gem Settings
In general, clients can borrow between 30% to 70% of the current resale value, depending on the watch and risk profile.
FAQs: Watch Loans at Beverly Loan
What if I don’t have the box or papers?
We can still evaluate your watch based on condition and market value. However, original documentation typically increases your loan offer.
Can I borrow against multiple watches?
Yes. You can combine multiple timepieces into a single loan agreement or structure them separately.
What happens if I miss a payment?
We offer grace periods and extension options. If a loan defaults, we retain the watch in lieu of payment — but your credit remains unaffected.
Do you buy watches outright as well?
Yes. If you prefer to sell rather than borrow, we’re happy to provide a purchase offer.
Trust the Watch Lending Experts in Beverly Hills
For over 85 years, Beverly Loan has helped clients unlock the value of their timepieces without sacrificing privacy or control. Whether you’re navigating a short-term cash need or simply want to explore your options, our team is here to guide you.
Schedule your private appraisal today and discover what your watch is really worth.