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

Have you chosen the Junghans timepiece you’d like to buy, but you’re just waiting until you have enough saved up to pay for it upfront? The good news is you don’t have to wait much longer. By applying for a financing plan through Exquisite Timepieces you have the option to buy your new timepiece today and pay for it at a more relaxed pace.

An added bonus is that you could also receive a 0% interest rate if your installments are paid on time. This is however dependent on the plan you choose.

Whether you prefer to purchase your new watch online or in-store, our team is ready to help you finance your new luxury timepiece.

Read on to find your perfect plan.

Does Junghans Offer Financing?

With three options to choose from, you have the opportunity to find the one that you would be most comfortable with. From short to long payment plans, all three options have been designed to ensure you can make your purchase and pay for it over a period of time that suits you. The application process is simple to complete. Choose the one that appeals to you and purchase your Junghans watch without any delays.

• PayPal Credit – Depending on the cost of your watch, you can either select a short or long payment plan. With the short payment option, you can pay off your timepiece in four installments. With the long payment option, you can choose between a 6, 12 or 24-month plan. There are no late payment fees to be concerned about with this plan and there is little to no interest included.
• Jeweler’s Reserve – This option is ideal for people who prefer shopping in-store instead of online. If that’s you, visit our boutique, choose the Junghans watch you’d like to buy and finance it with one of our options. This plan also offers you the option of choosing between a short or long payment structure.
• Affirm – If you are concerned about the effect your application will have on your credit score, this plan would work best for you. When you choose this plan it doesn’t require a credit check so it wouldn’t affect your score. You can pay your installments on a bi-weekly basis or within 12 months. There are no late payment fees or hidden costs included in this plan.

How Easily Can You Finance a Junghans Watch?

At Exquisite Timepieces, we aim to provide a service that’s convenient and hassle-free. So applying for a financing plan through us is a smooth and fast process. To find the plan that would suit you and your pocket best, read on.

PayPal Credit

Whether you’d prefer a short or long payment plan, this plan gives the option to choose between both.

If your watch costs $1,500, this will be considered a small purchase so it can be paid off in 6 weeks. The payments that you make will consist of one down payment and three interest-free installments.

You could also choose between a 6, 12 or 24-month plan. However, this option will only be available to you if your watch costs up to $10,000.

The safest way to ensure you don’t miss any installment is by setting an automatic payment to be debited every month.

With this plan, you can expect the annual percentage rate (APR) to change and the percentage could increase to 35.99%.

You don’t have to be concerned about any hidden costs or late payment fees with this plan.

Jeweler’s Reserve

If you are someone who enjoys shopping in-store, this is the plan for you. All you need to do is visit our boutique in Naples, Florida where you will be able to view our extensive range of watches in person. Once you’ve found the Junghans watch you’d like to purchase, our team will be available to help you finance your timepiece.

Once your timepiece is financed, you will have to pay for your watch within 18 months if it costs $999 or more, 24 months for watches that are valued at $1,499 and above or 36 months for timepieces that cost $1,999 and more.

If you make all your payments on time and within the stipulated period, you could receive a 0% interest rate. However, this only applies to watches that cost $150 and more. If you choose this option, you will have six months to pay for your watch in full or 12 months if your watch is valued at $300 or more.

When you fail to make your payments on time, you will be expected to pay an interest rate of up to 29.99%. The amount that you would need to pay will be calculated from the day you purchased your Junghans timepiece.

Even if you don’t qualify for a 60-month Junghans financing plan, your repayments will be divided into 36 installments and you will receive an APR of 11.99%.

Affirm

This plan is ideal for anyone who has a low credit score or has experienced difficulty in the past while applying for financial help.

With this plan, you have the option of choosing either a short or long payment plan. If you choose the short payment plan, you will have to pay four interest-free installments on a bi-weekly basis. Known as the “Pay in 4” plan this choice is recommended for your day-to-day purchases.

If you opt for the longer payment plan, you will have 12 months to pay for your purchase and you will receive a flexible APR of up to 36%.

There are no hidden fees or late payment costs included in this plan but it is advisable to activate an automatic payment from your account. This will ensure you don’t miss any payments.

Why You Should Consider Junghans Watch Financing

If you’re planning to purchase a Junghans timepiece but you don’t have the full amount to pay upfront, applying for a financial plan is one way to acquire your watch sooner. Each of the financing plans have been designed to ensure you receive the convenience and flexibility that comes with applying for financial assistance. You could also pay little to no interest, depending on the plan you choose.

Wondering when it’s the right time to apply for a financing plan? Here’s one example. You’ve been saving to buy a Junghans watch but you are not close to the amount you need to pay upfront. In addition, you’ve seen the watch on sale but you still cannot purchase it. In this case, signing up for a financing plan would be a great idea. You can use the amount you saved, apply for the balance and also benefit from the lower price that the watch is being sold at. Another advantage is you will also be able to purchase your watch a lot sooner.

It’s also a great time to consider a financing plan if you know you will be receiving extra money in the near future. This could either be in the form of a bonus or increase in your salary. This will help you to make your purchase easily because you know you can use your additional income to help pay off your installments.

When selecting a plan, it’s advisable to apply for one with little to no interest. It’s also important to remember that if you choose a long financing plan, your watch could turn into an investment over time, which is a great advantage.

Before applying for any financing plan, you need to ensure your new purchase will not place any additional stress on you. You have to be certain you will be able to pay your installments and still have money for any emergencies or business prospects.

How Can Financing a Junghans Watch Impact Your Credit?

Applying for financing to purchase any type of item will affect your credit score. This is an automatic effect which reflects on your credit score the moment you submit your application. At the beginning, the impact on your credit score is minor. However, it increases once your application is approved and you receive the funds to pay for your purchase.

The effect on your credit score is viewed as a negative one. If you fail to make one or more payments, your credit score will remain at an unhealthy level. In addition to having a low credit score, a report will also be issued by the company that provided the financing. The company will use this statement to highlight your lack of payments.

The good news is you can increase your credit score. The best way to do this is by paying your installments on time and within the period you agreed on. By doing this, you will be improving your credit score and you will also be viewed as someone who is financially responsible.

At Exquisite Timepieces, we understand that not everyone is able to have a high credit score. The good news is there are some plans that don’t require a credit check and when you submit an application it will have no effect on your score. Some companies offer this “Buy now, pay later” plan which is ideal for people with low credit scores. One of the benefits of this plan is that it doesn’t include any statements from the company that provides the finance.

FAQs

Am I eligible for a 0% loan?

Our team of financing partners would need to do a credit check on you to establish if you would qualify for a 0% loan. The results will also determine which plans you will be able to apply for.

How long does it take to process my financing request?

We will be able to provide some feedback after two working days. As soon as we receive your application, our team will start with your credit check. Overall, the process is completed quite quickly.

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

Some plans don’t require a credit check to be done so it may be possible to finance your watch. If you would prefer to not have a credit check done because of your low score, let our team know and they will assist you by finding a plan that would be ideal for you.