Finance Your Oris Hölstein Watch at 0% Interest & 0% Down Payment
Have you spotted an Oris Hölstein watch at an excellent price but don't have the full amount to purchase it? If so, that could change in the next few minutes as we delve into how Exquisite Timepieces can help you choose your watch and finance it with a safe, reliable, and convenient plan.
From enjoying a 0% interest rate on specific plans to not paying a down payment, each plan has advantages and allows you to decide how quickly you would like to complete your repayments.
Whether your purchase is small or large, there is a financial plan to assist you. Continue reading to find out which option would be ideal for you.
Does Oris Hölstein Offer Financing?
At Exquisite Timepieces, we offer you the opportunity to finance your timepiece with any of the plans mentioned below.
- PayPal Credit – This plan has two options to choose from, and the one you select depends on your purchase's value. Depending on your plan, you can pay off your installments for four payments or settle on a more extended payment period, including a 6, 12 or 24 month plan. There is little to no interest in this plan, and there are no late fees to be concerned about.
- Jeweler's Reserve – If you plan on visiting our boutique to choose your watch and apply for financing, this is the right plan for you. The Jeweler's Reserve option only applies to purchases that are made in-store. With various financing options, you control the pace and number of installments you would like to make to pay for your purchase.
- Affirm – The Affirm plan is ideal if you don't want your credit score affected by your application or if you have a low credit score and generally encounter issues when applying for financing. This plan includes two financing options, with no hidden fees or late payment costs.
How Easily Can You Finance an Oris Hölstein Watch?
The financing process is easy to complete. However, before settling on a financing plan, knowing more about the installment terms and conditions, interest rates, and the options included in each payment program is essential. Here is more information on the different financing plans:
PayPal Credit
PayPal's Credit system includes two plans: the first option is for small purchases, and the second one is for items that are higher in value. Apart from the great payment plans, PayPal's Credit also provides safety, security and fraud protection.
To determine which option works best for you, you need to know the cost of your watch. Timepieces that cost $1,500 are considered a small purchase and can be paid off with one down payment and three installments within 6 weeks. The installments, which can be made bi-weekly, are interest-free.
You must choose the second option if your watch costs $10,000. In this case, you can choose between a 6, 12, or 24-month period to pay your installments.
This system includes an annual percentage rate (APR), which fluctuates and has the potential to increase to 35.99%. Irrespective of your chosen plan, you won't be paying any late fees. You also have the option to request for an autopay function to be activated on your account.
Jeweler's Reserve
The Jeweler's Reserve financing program allows you to visit our boutique in Naples, Florida, and meet our experienced team, who will assist you with your financing needs. Since this option is only valid for in-store purchases, you are welcome to visit our boutique, choose your watch, and we will help you finance it.
This plan gives you 18 months to pay for your timepiece if it is valued at $999 or more, 24 months for watches that are priced at $1,499 and higher, or 36 months for purchases that cost $1,999 and above.
If you pay off your installments within the agreed-upon duration, you could enjoy a 0% interest rate. This applies to timepieces priced at $150 or more, which must be paid in six months or a year for watches that cost $300 and above.
If you fail to pay your installments, you must pay an interest rate of up to 29.99%. The rate will be calculated from the day you bought your Oris Hölstein watch.
Even though you won't receive a 60-month Oris Hölstein financing plan, your plan will be split into 36 payments with an APR of 11.99%.
Affirm
Some advantages of signing up for the Affirm plan are that your credit score will not be affected, and there will be no hidden costs or late payment fees.
The Affirm financing plan offers two options, the first being the "Pay in 4" scheme suitable for your daily purchases. With this option, you have the opportunity to make your payments on a bi-weekly basis with four interest-free installments.
The second option includes a more extended payment period and a 12-month plan with a flexible APR of up to 36%.
To safeguard yourself and ensure your installments are paid on time, ask for an automatic payment system to be activated.
Why You Should Consider Oris Hölstein Watch Financing
Choosing to purchase an Oris Hölstein watch and pay for it in installments can work in your favor as it provides you with the flexibility to buy your timepiece and pay for it at a pace that suits you best. You don't have to worry about depleting your cash savings, which helps ease the financial stress of spending a large amount of cash at once.
While some people can pay for their purchases upfront, others cannot and only have a portion of the amount saved. If you fall within the latter category, it will be a good idea to finance your watch if it sells at an excellent price. You can use your saved money and fill in the balance by applying for a financing plan. In this way, you can benefit from the great price, and you will be able to purchase your timepiece sooner than expected.
It's also a good idea to apply for a financing plan if you're receiving a raise or bonus at work. You can purchase your timepiece and be confident you will have the extra income to help pay off your installments.
Your timepiece can also be viewed as an investment if you choose a lengthy financing plan and the value of your watch increases significantly over time. Choosing one that includes trim to zero interest is essential when applying for a financing plan.
Before considering applying for a financing plan, it is imperative to ensure you are financially stable and can complete the required payments. After you spend your cash on your timepiece, it is also essential to ensure that you have money available for any unforeseen emergencies or potential business opportunities. Financial planning is the key to purchasing the items you want without putting yourself under any stress.
How Can Financing an Oris Hölstein Watch Impact Your Credit?
Everyone aspires to have a high credit score to secure low fees and interest rates; trying to maintain that healthy rating is essential. However, deciding to finance your watch, or just about any item, will unfortunately impact your credit score.
When you apply for financing, the company helping you with your financing plan would need to do a credit check, which forms an integral part of the process. Your credit score is affected slightly as soon as the company begins its credit check. This changes to a more significant impact when your score drops after your application is approved. If you miss a payment or multiple installments, your credit score will be negatively affected. It's important to remember that the company will report your lack of payments.
The good news is there can also be a positive impact on your credit score. The key to keeping your credit score healthy is paying your installments on time and never skipping your payments. By paying your installments on time, you will be proving your financial responsibility while also increasing your credit score.
The reality is that only some maintain an excellent credit score, which could affect your confidence when applying for financing. If you need help securing financial help with a reasonable interest rate, options are also available for you.
You can benefit from financing plans that don't require credit checks. Companies offer These plans with a "Buy now, pay later" scheme. By signing up for this plan, you can find comfort in knowing your credit score won't be affected, and there will be no reports regarding your repayments.
FAQs
Am I eligible for a 0% loan?
Your eligibility can only be confirmed once we complete a credit check. The credit check, which our financing partners do, provides us with the information we require to determine which plans can be offered to you.
How long does it take to process my financing request?
Once we receive your request to apply for a financing plan, our team will start with your credit score check. The entire process generally takes two business days to complete. We will then contact you with more information on your available options.
Can you get Oris Hölstein watch financing without a credit check (or bad credit)?
Completing a credit check is an integral part of the application process. However, some companies offer plans that exclude credit checks. If you are uncomfortable with having a credit check done, let us know, and our team will try to assist and establish which options will be available for you.
