Loans Against Your Audemars Piguet. Your Royal Oak, working for you.
Royal Oak values are set by reference, condition and finishing. Borrow against yours with an independent specialist appraisal, a part-by-part record and insured storage, and get the same watch back when you repay.
Audemars Piguet References We Lend Against
Don't see your reference? Tell us about it — significant watches are reviewed case by case.
Your Royal Oak, documented to the finish.
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.
Reference, case number and movement number recorded and matched to the warranty card.
The Royal Oak’s brushed and polished surfaces are central to its value. The condition report notes any over-polishing or refinishing.
Dial, hands and integrated bracelet assessed for originality, with link count recorded.
Warranty card, box, archive extract where available and service history 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.
Audemars Piguet Loan FAQ
How much can I borrow against a Royal Oak?
The amount is based on an independent appraisal and current secondary-market data for your exact reference. Condition, especially finishing, and complete papers carry significant weight. Loans range from $25,000 to $2 million.
Does polishing affect the loan amount?
It can. Heavy polishing softens the Royal Oak’s sharp edges and can reduce secondary-market value. The specialist appraisal reflects the watch as it is.
Can I borrow against a Royal Oak Offshore?
Yes. Royal Oak Offshore references are accepted, with value assessed by reference, material and condition.
Will I get the same watch back?
Yes. Serials, condition and bracelet are documented before storage and checked again at return. While a loan is open the record is locked, so the watch cannot be sold, swapped or pledged twice.
Should I borrow against my AP or sell it?
Selling ends your ownership and can trigger a taxable gain. Borrowing keeps the watch and any future appreciation, at the cost of interest. Speak with your tax advisor about your situation.
Do you check credit?
No. The decision is based on the watch, not your credit history or income.
Keep the watch. Use its value.
NON-FUGAZI is invitation-only. Tell us about your watch and we'll respond confidentially with next steps.
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