Luxury Watch Loans. Keep the watch. Borrow against it.
Borrow against a collectible watch without selling it and without a pawn counter. Your watch is independently authenticated, recorded part by part, and held in insured storage until you repay — then it comes back exactly as it left.
Watches We Lend Against
Don't see your reference? Tell us about it — significant watches are reviewed case by case.
Same watch. Same parts.
The question every collector asks when a watch leaves their hands: will the same watch, with the same parts, come back? Your watch's record answers it — documented before storage, locked while a loan is open, and yours to keep afterward.
Model reference, case serial and movement number are documented and matched.
A specialist notes which dial, hands, bezel, bracelet and movement parts are original and which are service replacements — the details that move a watch’s value.
High-resolution photography and a written condition report before storage, compared again at return.
Warranty card, certificates, archive extracts and service receipts are recorded with the watch.
Verify once. Borrow when you choose.
Send photos of the watch, case back and serial area, plus any box, papers, warranty card or service receipts.
An independent watch specialist authenticates the watch and documents its reference, serial, condition and which parts are original. Appraisal is billed at cost.
Insured collection or shipping to secure, insured storage. The watch is covered at full replacement value from the moment it leaves your hands.
Receive a confidential, no-obligation term sheet. Repay at any time and your watch is returned or stored with its record intact.
Watch Loan FAQ
Can I borrow against my watch without selling it?
Yes. Your watch serves as collateral for a loan of $25,000 to $2 million, with terms from 1 to 36 months. You keep ownership, and the watch is returned when the loan is repaid.
How much can I borrow against a luxury watch?
Loan-to-value typically ranges from 25% to 75% of the watch’s appraised value. The amount is based on an independent appraisal of the watch and current secondary-market data for that reference. Condition, originality, and whether you have the box and papers all affect the figure. You receive a specific number in a no-obligation term sheet.
Do you check my credit?
No. The decision is based on the watch, not your credit history or income.
Where is my watch kept during the loan?
In secure, insured storage. The watch is insured at full replacement value from the moment it leaves your possession until it is returned to you.
How is this different from a pawn shop?
A pawn shop prices your watch at a steep discount and keeps it behind a counter. We use an independent specialist appraisal, document the watch part by part, hold it in insured storage, and lock the record so it cannot be swapped, sold or pledged twice while the loan is open.
Are watch loans non-recourse?
Non-recourse terms are available on qualifying loans, meaning the watch is the lender’s only remedy. Your term sheet states plainly whether your loan is non-recourse.
Can I repay early?
Yes. Generally, there is no prepayment penalty. Repay at any time and your watch is returned or stored with its record intact, ready if you want to borrow again.
Keep the watch. Use its value.
NON-FUGAZI is invitation-only. Tell us about your watch and we'll respond confidentially with next steps.
Request an invitation →