A Rolex is more than a luxury accessory — it’s a globally recognized symbol of precision, status, and long-term value. Whether you’ve owned your watch for years or recently added it to your collection, understanding its true worth can help you make informed financial decisions.

At Beverly Loan, we regularly appraise Rolex watches for collateral loans, helping clients unlock capital while retaining ownership of their timepieces.

What Factors Affect a Rolex’s Value?

Not all Rolex watches are valued equally. Key considerations include:

• Model and reference number (e.g., Submariner, Daytona, Datejust)

• Condition (scratches, polishing history, mechanical performance)

• Original box and papers (these significantly increase value)

• Material (stainless steel, gold, platinum, or two-tone)

• Rarity or discontinued status

• Service history and authenticity

Even seemingly minor details — like the dial color or bracelet type — can influence your Rolex’s appraised value.

Secondary Market Trends

The market for pre-owned Rolex watches has grown significantly in recent years. High-demand models often command prices above retail, while others hold their value steadily. Beverly Loan tracks market movements daily to ensure our appraisals reflect current demand.

Some models known for strong resale performance:

• Submariner (especially “Hulk” and “Kermit” editions)

• Daytona (particularly stainless steel versions)

• GMT-Master II (e.g., “Pepsi” or “Batman” bezels)

How Rolex Loans Work

If you’d prefer not to sell your watch, a collateral loan offers short-term liquidity while preserving your asset. The process is fast, discreet, and based entirely on the value of your timepiece — not your credit or income.

Here’s how it works:

• Private appraisal appointment

• Loan offer presented based on current market value

• Watch stored securely and insured on-site

• Funds issued same-day

• Asset returned after repayment

Loan terms typically last 4–6 months and can be renewed as needed.

Why Use a Rolex for a Loan?

• High liquidity in the secondary market

• Strong brand equity

• Compact, secure, and easy to store

• Ideal for clients needing fast, private financing

Unlike more volatile assets, Rolex watches tend to retain value — making them excellent candidates for short-term lending.

Conclusion

Your Rolex might be worth more than you think — not just emotionally, but financially. If you’re looking for discreet access to capital without selling a prized possession, Beverly Loan offers a simple, respectful solution.
Book a private appraisal and discover the real power of your Rolex.