Finance Your IWC Watch at 0% Interest & 0% Down Payment

If you’ve been saving for a luxury IWC watch, but you’re not close to the amount you need, Exquisite Timepieces is here to help with our convenient and flexible financing plans.

From short to long repayment plans, you decide which option would suit you best. The aim of our financing plans is to provide you with the assistance you need so you can acquire your luxury watch confidently and pay for it at a pace that you’re comfortable with.

Some of our plans also allow you to benefit from a 0% interest rate if your payments are made on time.

Your new luxury IWC watch is ready and available for you to acquire today. Simply choose a financing plan from the options listed below and take a step closer to buying your dream IWC timepiece.

Does IWC Offer Financing?

With three options to choose from, you have the opportunity to select the plan that’s best for you. From shorter to longer payment plans, each option has been designed to provide convenience and flexibility. Select your ideal plan from the list below and you could purchase your new IWC watch sooner than expected.

• PayPal Credit – This option consists of a short and long payment plan. Depending on the value of your watch, you can either pay for your purchase with four installments or choose between a 6, 12 or 24-month payment plan. There are no late fees included in this plan and there is little to no interest included.
• Jeweler’s Reserve – If you’re someone who prefers in-person shopping, then this option would be ideal for you. All you need to do is visit our boutique, choose the timepiece you’d like to buy and we will help you finance it with one of our several options. This plan also allows you to choose how long or short you’d prefer your payment plan to be.
• Affirm – This plan is ideal for people who are concerned about their credit score and would prefer to not have a credit check done during the application process. The Affirm plan is a great option if you intend to make bi-weekly payments or settle for a 12-month payment option. There are no late payment fees or hidden costs with this plan.

How Easily Can You Finance an IWC Watch?

Applying for a financing plan through Exquisite Timepieces is a quick and seamless process. It’s simple and easy to complete. Read on to find out which financing plan would be ideal for you.

PayPal Credit

Depending on the value of your timepiece, this plan has two payment options to choose from.

Watches that cost $1,500 are known as small purchases and can be paid off in a 6-week period. The payment structure will include one down payment and three interest-free installments. This option allows you to make your payments on a bi-weekly basis.

With the second option, you can choose between a 6, 12 or 24-month plan. You can only sign up for this plan if your watch costs up to $10,000.

There are no late fees included in this plan and you have the option to activate an automatic payment from your account. This will help to ensure your installments are paid on time.

The annual percentage rate (APR) in this plan changes and the percentage could increase to 35.99%.

Jeweler’s Reserve

This plan is designed specifically for people who enjoy shopping in-store. If you’re someone who prefers to browse through items physically before making your purchase then we invite you to visit our boutique in Naples, Florida to view our extensive range of luxury watches. Once you’ve settled on the IWC watch you would like to add to your collection, we will assist you with the financing process.

Once your finance application is approved, you will have 18 months to pay for your timepiece if it’s valued at $999 or more, 24 months for watches that cost $1,499 or above or 36 months for timepieces that are selling at $1,999 and higher.

The best way to ensure you receive a 0% interest rate is by making your payments on time and within the duration you agreed upon. This applies to watches that are valued at $150 and more. You will need to pay for your watch within six months, or 12 months for timepieces that cost $300 and above.

If you don’t pay your installments, you can expect to pay an interest rate of up to 29.99%. The amount will be calculated from the day you purchased your IWC watch.

Although you won’t receive a 60-month IWC financing plan, you will get an APR of 11.99% and your repayments will be broken down into 36 payments.

Affirm

This plan consists of two options. With the first option, you can pay your installments on a bi-weekly basis with four interest-free payments. Referred to as the “Pay in 4” scheme, this plan is ideal for your day-to-day purchases.

If you prefer to settle for a longer payment period, you can choose the second option which gives you 12 months to make your payments. You will have a flexible APR of up to 36%.

Applying for the Affirm financing plan will not have any impact on your credit score and this is one of the main advantages of this option.

If you want to ensure your payments are made on time, each month, you can activate an automatic debit from your bank account.

Another great advantage about this plan is that it doesn’t include late payment costs or any hidden fees.

Why You Should Consider IWC Watch Financing

Applying for a financing plan provides you with convenience and flexibility. When you choose to apply for financial assistance to purchase your IWC timepiece, you have the option to choose how long or short you want your repayment period to be. Another great benefit is that there is little to no interest included in some of the plans.

Sometimes it’s not always possible to have the full amount that’s required for your purchase upfront. In these cases, applying for a financial plan is a great way to acquire the amount that you need. One way to take advantage of a financing plan is to use the amount you saved so far to pay towards your watch and then fill in the outstanding amount by applying for assistance. This option works perfectly especially if the watch you want to purchase is being sold at a reduced price. By applying for financial help, you will be able to buy the watch at a great price and acquire it sooner than expected.

Another good time to think about applying for a financing plan is if you will be receiving extra income in the future. It could either be an increase in your salary or a bonus. Knowing you will have that additional income will allow you to make your purchase with less stress.

Choosing a financing plan with a longer repayment structure has an advantage to it. Your watch could turn into an investment if the value of your timepiece increases over time. When selecting a financing plan, it is advisable to choose one with little to no interest.

Before applying for any financial assistance it is important to establish if you are financially secure. You need to be certain that applying for a financial plan wouldn’t place any stress on you. It’s vital to have enough money to pay your installments each month and for any unforeseen emergencies or business opportunities.

How Can Financing a IWC Watch Impact Your Credit?

Irrespective of what item you decide to buy, your credit score is automatically affected when you apply for a financing plan. When you submit your application, you can expect to notice a small effect on your credit score. This effect increases once your application is approved and the money is released to fund your purchase.

This impact on your credit score is considered a negative one. When you fail to make one or many payments, your credit score will continue to reflect this negative impact. Apart from having an unhealthy credit score, the company responsible for providing the financing will submit a report with information about your lack of payments.

The good news is this can be avoided. All you need to do is make your payments on time and within the duration you settled on when you submitted your application. By ensuring your payments are made without any delays, you will also be contributing to increasing your credit score. This will help you to have a healthy credit score and prove that you are capable of fulfilling your financial obligations.

Unfortunately having a high credit score isn’t always a possibility for many people. Therefore there are plans that cater for those who have encountered difficulties because of their low credit score. Some plans don’t request for a credit check to be done. There are companies that offer “Buy now, pay later” plans. This doesn’t have an effect on your credit score and there are no statements issued by the company regarding your payments.

FAQs

Am I eligible for a 0% loan?

A credit check would need to be completed by our team of financing partners to confirm if you qualify for a 0%loan. Your results will determine the plans that you will be able to apply for.

How long does it take to process my financing request?

You can expect to hear back from us after two business days. Once we receive your application, our team will begin your credit check and will be able to provide some feedback shortly after.

Can you get IWC watch financing without credit check (or bad credit)?

There are plans that don’t require a credit check. If you have a low credit low or would prefer not to have a check done because you’re concerned about the effect it may have, you can inform our team. We will use the information you provide to find a plan that would be ideal for you.