Paying upfront can be a very convenient option when it comes to purchasing your first Bell & Ross watch, but it isn’t the only way. However, not everyone may wish to take this approach, which is exactly why Exquisite Timepieces offers flexible financing plans to meet all your needs. Many of these plans offer 0% interest and eliminate the need for any down payment!
Does Bell & Ross Offer Financing?
There’s no price too big or too small when it comes to financing. Here at Exquisite Timepieces, we offer comprehensive, flexible finance plans which are sure to fit your exact budget requirements:
- PayPal Credit - Seize the day today and pay later with PayPal’s Credit service. Pay for your brand new Bell & Ross watch in multiple installments with no late fees and close to 0% interest! PayPal’s credit service offers both bi-weekly and monthly payments, so no matter your financial situation, you can rest easy knowing that you’re in good hands!
- Jeweler’s Reserve - Enjoy a variety of in-store financing plans for your dream Bell & Ross watch with a Jeweler’s Reserve card. Interest rates are entirely dependent on your order value and number of installments. This could be as low as 0% when paid within a certain time frame!
- Affirm - Affirm is another common online finance provider which is a go-to for many luxury watch aficionados. Affirm offers flexible financing plans which work for you. Depending on your order value, you have the option to select for interest-free bi-weekly installments for smaller purchases, or monthly installments for larger orders.
How Easily Can You Finance a Bell & Ross Watch?
Financing can be very confusing for newcomers to the luxury watch scene. This is why Exquisite Timepieces have worked diligently to make the entire process as seamless as possible. From when you first see your Bell & Ross watch either on our site or in-store, to when it is on your wrist, we can guarantee that it won’t take long to get your hands on your dazzling dream watch. Here are the various financing providers available to you to make your dream Bell & Ross watch a reality:
PayPal Credit
Spread the cost of your online purchases with PayPal’s Credit arrangement. Peace of mind is paramount for PayPal, which is why you can purchase your Bell & Ross watch today and pay later, knowing that you’re safe, secure and buyer protected from fraudulent transactions. Financing has never been easier with PayPal Credit, and is a solid option for those looking to invest in a luxury timepiece without the strings attached.
Whether it’s $1,000 or $10,000, you have more choice than ever when it comes to your financing approach. Smaller transactions (up to $1,500) can be paid out in four simple bi-weekly installments, broken down into one down payment and three installments over a six-week period. This plan comes with 0% interest and eliminates late fees allowing you to pay at your own pace.
Larger purchases (from $199 up to $10,000) can be broken down into 6, 12, or 24 monthly installments. Variable APR is applied to this financing plan and can be up to 35.99%. If you want even more flexibility, you have the option to autopay installments with no late fees!
Jeweler’s Reserve
If you’re in possession of a Jeweler’s Reserve Card, then you’re open to a multitude of financing benefits from 0% on unauthorized payments, simple online account management and zero annual fees!
Jeweler’s Reserve financing plans are exclusively reserved for in-store purchases, so simply pop into any of our Exquisite Timepieces boutiques (from Naples to Florida), select your dream Bell & Ross watch and walk out that same day knowing that you’re backed by a flexible financing plan offered by Jeweler’s Reserve.
Depending on your chosen plan, Jeweler’s Reserve offers 0% interest under the condition that the total amount is paid within a 6 months time frame, which applies for orders which are $150 or more. For purchases above $300, you have the option to pay out your sum over a 12-month period. One key point to note is that if you’re unable to pay out the total balance by the end of your financing term agreement, you may be liable to pay interest up to 29.99% from the date of purchase.
Larger-value orders come with larger-value savings as you have the option to pay out your installments over 18 ($999 or more), 24 ($1,499 or more), or 36 ($1,999 or more) monthly payments at 11.99% APR. Although it may be unlikely that you’d be able to get a 5-year Bell & Ross financing plan, splitting your purchase into 36 compact installments, which comes with a fair APR, will allow you to own your Bell & Ross watch much sooner than having to save up the amount to pay upfront.
Affirm
If you want it, you get it. Make the most of your online purchases to enjoy anything you desire, including a brand new Bell & Ross watch with Affirm. Contrary to many financing providers out there, Affirm comes with zero hidden fees and zero late payment fees, to allow you to pay later in a way which suits you.
No matter your order value, Affirm offers comfortable finance plans to suit your bespoke requirements. The “Pay in 4” scheme is one of the most well-received finance plans in the luxury watch community. Simply purchase your Bell & Ross watch online and pay later in four bi-weekly installments with 0% interest. Rest assured, this method of financing won’t affect your credit score in any way!
Need more options? No problem. If you require more flexibility, Affirm’s finance plans adapt to meet your situation. Besides the “Pay in 4” scheme, you also have the option to pay out your purchase in 12 monthly installments with a variable APR up to 36%.
Why You Should Consider Bell & Ross Watch Financing
For those who want to pay upfront for their Bell & Ross watch, you will most definitely require a large amount of savings towards the investment. However, luxury purchases don’t always require luxury budgets with the number of flexible financing plans offered. Every situation is unique, which is why financing a watch investment can be a more suitable approach than buying at once.
A common situation many watch aficionados find themselves in is when they come across an irresistible offer on our site or in one of our Exquisite Timepieces boutiques. You may already find yourself diligently saving for your brand new Bell & Ross watch and see it on sale, but may not have the total amount required to fund your purchase. In this case, financing would most definitely be a sensible course of action.
By the time you’ve gathered all the funds you need, you’d have paid out your new Bell & Ross watch in full. Depending on the length of your selected financing plan, the market value of your new purchase could skyrocket over the course of your financing duration, making it a solid investment in the long term! To avoid losing money over time, Exquisite Timepieces recommends that you choose a Bell & Ross payment plan which offers (close to) 0% interest, so that your investment is safe from market inflation.
Financing your Bell & Ross purchase would also be a reasonable consideration if you’re expecting a considerable raise or bonus from your current job. We understand that Life can be very unpredictable, which is why we strongly advocate having “rainy day” savings in case of emergencies before considering any luxury purchase.
Another situation where a monthly Bell & Ross financing plan would be applicable is to save your funds for future investments. BitCoin, property, stocks. Investment opportunities can arise spontaneously and not being able to capitalize on such opportunities due to a lack of funds can be frustrating. This is exactly why having capital saved up on the side for future investments and a brand new Bell & Ross watch on your wrist on a 0% interest financing plan, will allow you to win regardless.
How Can Financing a Bell & Ross Watch Impact Your Credit?
One of the first things which may pop into your mind when deciding whether financing is the right option for you, is whether it will impact your credit score, and if so in what way? We completely understand that you wouldn’t want to damage your hard earned credit for any luxury purchase. Understanding the exact effects of selecting financing as an option will allow you to make a better-informed decision.
When it comes to luxury purchases, choosing financing can have both positive and negative effects on your credit score. When you first apply for a finance plan, most finance providers will run a prior credit score check which can have a slight negative effect on your credit.
Furthermore, as with any case of borrowing money, your credit score will drop slightly once you’ve been granted the loan, which is standard for any finance program. It is important that you make your installments in a timely manner to avoid your credit being negatively affected. Missing a single (or even a few) payments may result in the company having to report it.
It’s not all doom and gloom though as financing can in fact prove to be beneficial for your credit score in the majority of cases. Generally, in most situations, your credit score will in fact increase over time, as long as all installments are made in a timely manner. As a result of demonstrating financial responsibility, your chances of being approved for larger future loans rapidly increases.
If you’re considering financing and concerned about your ability to attain credit in the future, bear in mind that there are many plans which do not affect your credit score. Certain platforms offer a “Buy now, pay later” scheme to finance purchases without the need of a credit check or reporting loans and loan payments.
These types of plans don’t affect your credit in any way and are a common option for those who have poor credit, or struggle to be accepted for loans with favorable interest rates (or not at all).
FAQs
Am I eligible for a 0% loan?
Wondering whether you qualify for a 0% loan for your brand new Bell & Ross watch? Then get in touch with us today to figure out what tailored options are available to you! Our dedicated financing team will run a speedy credit score check and follow up with your enquiry to see if you’re eligible for financing and your unique options.
How long does it take to process my financing request?
On submission of a financing request, our partners will initiate a prerequisite credit score check to work out what the best course of action would be for you. There’s nothing to worry about as the process is effortless and fast and shouldn’t take longer than 2 working days to accomplish.
Can you get Bell & Ross watch financing without a credit check (or bad credit)?
We understand that not everyone may be comfortable being subjected to a credit check when it comes to financing your brand new Bell & Ross watch. If this is the case, feel free to contact our friendly advisors today, who will spare no effort to ensure that you have an option that works for you. Although it’s likely they may need to conduct a credit check, it’s most definitely worth considering to find out what unique options are available to you.