If you're looking for a safe, convenient, and reliable payment plan to help finance your next luxury watch purchase, you've come to the right place.
With three payment programs to choose from, Exquisite Timepieces offers you the option to decide on the installment terms and duration that would suit you best.
Whether you're applying for finance to pay for a small or large purchase, we've covered you with a 0% interest rate on specific plans and no down payments. Read on to find out which financing plan would be ideal for you.
Does Longines Offer Financing?
The following payment programs allow you to finance your luxury watch at Exquisite Timepieces:
- PayPal Credit – PayPal's Credit Service offers you the opportunity to pay your installments on a bi-weekly or monthly basis. You can buy your watch today and pay for it in installments with little to no interest and no late fees.
- Jeweler's Reserve – From various financing options to the possibility of enjoying a 0% interest rate, the Jeweler's Reserve plan allows you to purchase your luxury watch in-store and decide on how many installments you would like to make. Depending on the value of your timepiece, you could receive a particular interest rate or pay no interest at all if your payments are made within the specified time.
- Affirm - Affirm allows you to purchase your luxury watch and pay for it with four interest-free installments every two weeks for smaller purchases or on a monthly basis for watches that are higher in price.
How Easily Can You Finance a Longines Watch?
Applying for one of the three financing programs is quick and seamless. Each plan provides various payment options to suit your financial needs. You could be sporting your favorite Longines watch today by signing up for a 0% finance plan.
PayPal Credit
PayPal's Credit system has been identified as one of the best financing plans, offering you safety, security, and fraud protection. This system allows you to choose between two of its financing plans, which depend on your purchase's scale.
For smaller purchases up to the value of $1,500, you can choose the first option, which allows you to pay off your installments with 4 bi-weekly payments. The payments are made up of one down payment and three installments over 6 weeks. The advantage of this plan is that the costs are interest-free, and no late fees are included.
If you prefer to pay your installments within 6, 12 or 24 months, the second financing option would be more ideal for you. This option is suitable for purchases up to $10,000 and above.
There are no late fees with either plan, and you can request an autopay option for any of the two strategies.
This financing plan's annual percentage rate (APR) can differ and could increase to 35.99%.
Jeweler's Reserve
If you're looking for a plan that includes no annual fees, zero interest, and a platform that allows you to manage your account quickly, the Jeweler's Reserve financing program is the one for you.
This financing plan can only be used for in-store purchases. Our team, based at our boutique in Naples, Florida, will be able to help you choose a Longines watch for you and assist with the Jeweler's Reserve finance application.
You can only qualify for the 0% interest rate if the total watch value (for purchases of $150 or more) is paid in six months or 12 months for timepieces that cost $300 and above.
If you don't complete your full payment within the stipulated period, you can expect to pay an interest rate of up to 29.99%, from the date you purchased your Longines watch.
If your watch costs $999, you have 18 months to pay your installments. For timepieces priced at $1,499 or higher, you can choose the 24-month or 36-month plan for purchases of $1,999 or more.
All the installments include an APR of 11.99%. While you won't receive a 60-month Longines financing plan, your payments will be divided into 36 installments with an appropriate interest rate.
Affirm
The Affirm plan has no hidden fees or late payment costs. You can buy your Longines watch today and pay your installments over a period that you are comfortable with.
There are two financing options, with the "Pay in 4" scheme being the most preferred plan for any daily purchases. When you choose the "Pay in 4" plan, it does not affect your credit score, and you can pay for your purchase with four interest-free bi-weekly installments.
If an extended payment period and more installments would be your preferred choice, the 12-month payment plan, with a variable APR of up to 36%, will suit you.
You also have the option to request an automatic payment system so your payments are deducted every month safely and efficiently.
Why You Should Consider Longines Watch Financing
Before you decide to apply for finance to purchase a luxury watch, it is essential to ensure you are financially stable. While the financing option is ideal for those who cannot pay the total amount for their watch at once, it is essential to have a steady income to pay your monthly installments.
The decision to choose a financing option is considered a good one when you find the timepiece you want at a great price, but you need more than the required amount. You can use the money you have been saving and fill in the balance by applying for financing.
When you purchase your timepiece, it could turn into an excellent investment if you settle for a long-term financing option and there is a significant increase in the market value. When you decide to apply for financing, choosing a Longines payment plan accompanied by a zero to a meager interest rate is vital. This will, in turn, also help save you money in the future.
If you are eager to purchase your Longines watch, but you're in the process of receiving a raise at work or a bonus, you can still choose a Longines plan to help with the additional amount needed to buy your Longines watch.
Life is quite unpredictable, so it is essential to have money available for unforeseen emergencies or an excellent investment opportunity. By signing up for a Longines payment plan, you can pay for your timepiece while saving money with a zero-interest financing plan.
How Can Financing a Longines Watch Impact Your Credit?
If you're wondering if financing your luxury watch will affect your credit score, yes. Choosing to finance your luxury watch could have a negative and positive impact on your credit score, and here's the reason why:
When you apply for a financing plan, whether for a luxury watch purchase or any other item, a credit check has to be done to determine if you qualify for financing, how much you qualify for, and how healthy your repayment history is. Conducting a credit score check automatically has a small negative effect on your credit.
Once your financing request is approved, your credit score will immediately drop. The negative impact could increase if you fail to make a single or multiple payments and the company submits a report.
The positive impact occurs when you make all your payments on time and within the stipulated periods. This will immediately increase your score and prove how financially responsible and reliable you are.
The good news is a few financing plans don't require a credit check. These companies provide a "Buy now, pay later" plan that doesn't affect your credit score or include any reports of your loan or repayments.
This option is suitable for people with poor credit or those who need help to receive a loan with reasonable interest rates.
FAQs
Am I eligible for a 0% loan?
Contact us today to confirm if you qualify for a 0% loan to finance your purchase. After conducting a quick credit score check, our financing partners will provide you with feedback and the options you are eligible for.
How long does it take to process my financing request?
Two working days is all it takes to complete this quick process. Once we receive your request for financing, our team of financing partners will start with your credit check and the options available for you.
Can you get Longines watch financing without a credit check (or bad credit)?
Although conducting a credit score check is mandatory, our team will try their best to help if you are concerned and would prefer not to have the check done. You can share your concerns, and they will assess the situation and determine your options.