Finance Your Czapek Watch at 0% Interest & 0% Down Payment
Do you have your heart set on a Czapek watch but you're losing sleep over how you're going to finance your purchase? Exquisite Timepieces is here to help you not only finance your watch but to also ensure you sleep peacefully knowing that the finance plan you sign up for will be a safe, reliable and convenient one.
Having the option to choose from various payment plans places you in the driver's seat as it allows you to select your ideal option as well as how many installments you'd like to pay.
You could also enjoy a 0% interest rate and no down payments with certain plans. Your solution is here and all you need to do is take the next step.
Continue reading to find out which plan appeals to you the most and would be most suitable for the type of purchase you plan on making.
Does Czapek Offer Financing?
You have the option to choose between one of the financing programs mentioned below. After choosing the Czapek timepiece you want to purchase, our team at Exquisite Timepieces will help you to finance your watch.
- PayPal Credit – The PayPal Credit system offers you a choice between a short or long payment plan while also providing you with safety, security and fraud protection. There are no late fees included in this plan and you can expect to pay little to no interest. Based on the cost of the timepiece you buy, you can either pay for your purchase with four payments or you could choose between a 6, 12 or 24 month plan.
- Jeweler’s Reserve – While this financing program is solely for purchases that are made in-store, there are several benefits included in this plan. Apart from having numerous options to choose from, the decision on the duration of your payment plan is entirely yours.
- Affirm – If you have encountered difficulties in the past to secure financial assistance, then this is the plan for you. Applying for the Affirm plan will have no effect on your credit score and you don’t have to be concerned about any hidden costs or late payment fees. When you sign up for the Affirm plan, you can choose to pay your installments every two weeks or over a period of 12 months.
How Easily Can You Finance a Czapek Watch?
The process to apply for financing is quick, seamless and easy to complete. Continue reading to find out which financing option would be ideal for you.
PayPal Credit
Depending on the value of your watch, you can choose between the two options that form part of PayPal’s Credit system. Option one is ideal for smaller purchases while option two has a longer payment plan and is better suited for watches that are higher in value. Whichever option you decide to choose, you are also guaranteed to receive security, safety and fraud protection.
Your watch can be paid off in six weeks if it costs $1,500 as it will be regarded as a small purchase. The interest-free payments, which can be paid on a bi-weekly basis, will consist of one down payment and three installments.
If your watch costs up to $10,000, a longer payment plan might work better for you. You can select either a 6, 12 or 24-month plan.
There are no late fees included and you have the option to request for your installments to be debited automatically on a certain date to ensure you don’t miss a payment.
The plan does include an annual percentage rate (APR) which fluctuates and could increase to 35.99%.
Jeweler’s Reserve
If you’re looking for a reason to visit our boutique in Naples, Florida, this is it. The Jeweler’s Reserve program can also be used for watches that are purchased in store. If you need help financing your Czapek watch, you can visit our boutique and our experienced team will be able to assist through the entire process.
The timeframe for your payments will differ and is dependent on the value of your purchase. Once you buy your timepiece, you will have 18 months to pay for your watch if it costs $999 and above, 24 months for watches that cost $1,499 and more or 36 months for purchases that are priced at $1,999 and higher.
This plan provides you with the opportunity to receive a 0% interest rate if all your installments are paid on time. This applies to timepieces that are valued at $150 or more. Your payments would need to be made in six months, or 12 months for watches that cost $300 and more.
The repercussions of not paying your installments will result in an interest rate of up to 29.99%. The interest will be calculated from the day you purchased your Czapek watch.
Even though you won’t receive a 60-month Czapek financing plan, your payments, which will include an APR of 11.99%, will be separated into 36 payments.
Affirm
With the Affirm plan, you are able to apply for financing without worrying about the effect it could have on your credit score. The Affirm financing plan has two options to choose from and is suitable if you prefer a short or long payment period.
If you choose the shorter payment plan, known as the “Pay in 4” scheme, you can pay your installments every two weeks with four interest-free payments. This option is ideal for your daily purchases.
The longer payment plan has a flexible APR of up to 36% and you would have 12 months to pay your installments.
This plan doesn’t include any hidden costs or late payment fees. To ensure your installments are paid on the due dates, you can request for the amount to be automatically paid from your account.
Why You Should Consider Czapek Watch Financing
Whether you have some money saved and just need help to fill in the balance of the amount needed to purchase your Czapek watch or if you require the entire amount to pay for your watch upfront, a financing plan is the ideal solution for you.
When you sign up for a payment plan you have the flexibility to pay your installments over a period of time that suits you best. You have the option of choosing between a short or long payment plan and the added advantage is you could also enjoy a 0% interest rate with some of the plans.
A financing plan is considered a good idea if you have seen the watch you want to buy is selling at an excellent price, but you don’t have the full amount to pay for your purchase upfront. By signing up for a financing plan, you can use the money you have saved and apply for the outstanding amount so you can purchase your watch and benefit from the great price. Based on the value of your watch, you will also be able to choose the plan that works best for you in terms of the number of installments and payment duration.
It is also regarded as a good idea to sign up for a financing plan if you are expecting a bonus or raise at work. The additional income will provide peace of mind knowing you will be able to pay your installments without being under any financial strain.
The great news about purchasing a luxury watch is it could turn into an investment over time. This would be the case for you if you settle for a lengthy financing plan and the value of your timepiece increases significantly over time. When it comes to choosing the right financial plan, opt for one with little to zero interest.
Before applying for a financial plan, ensure you have enough money for unexpected emergencies or business proposals that may arise. Financial stability is a key factor to consider when it comes to signing up for a financing plan.
How Can Financing a Czapek Watch Impact Your Credit?
When you submit your application for a financing plan, prepare for your credit score to be affected both positively and negatively. Fortunately, the negative impact is temporary, provided all your installments are paid on time.
After your application is submitted, the company will have to complete a credit check on you and this will have a slight effect on your credit score. Your score then drops as soon as your application is approved. It is important to ensure your payments are made on time to prevent any further negative implications on your credit score. If your installments are not paid, the company will issue a report to mention the number of payments you missed.
The negative effect is reversed when all your payments are complete. Apart from proving your financial responsibility, your credit score will also increase and return to a healthy level.
For people who experience difficulties securing financing assistance, there are financing plans that won’t request for a credit check. By signing up for a "Buy now, pay later" plan, you won’t have to be concerned about your credit score being affected or about any reports on your payments.
FAQs
Am I eligible for a 0% loan?
Our team of financing partners would need to conduct a credit check on you to establish if you qualify for a 0% loan. We will provide feedback, regarding the outcome of your application and your available options, after your credit check is complete.
How long does it take to process my financing request?
Once we receive your application, our financial partners will start with your credit check. You will receive feedback about your possible options within 2 business days.
Can you get Czapek watch financing without a credit check (or bad credit)?
We understand that not everyone is comfortable with having a credit check done because of their low score. If this is the case for you, let us know and our team will try to help you find the best option. The good news is there are plans that don’t request for a credit check so there is a possibility you would be able to finance your purchase.
