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

Have you chosen the Zodiac timepiece you’d like to buy, but you don’t have the full amount to pay for it upfront? You’ve come to the right place. At Exquisite Timepieces, we provide you with the option to choose a financing plan to help you pay for your timepiece. The best part is you will be in control of your repayment structure.

You can also enjoy a 0% interest rate if your payments are made on time. This is dependent on the plan you choose.

Applying for one of our plans is a seamless process and our team is ready to guide you through it.

To sign up for a financing plan, visit our online store or pop into our boutique to purchase your Zodiac watch today.

Does Zodiac Offer Financing?

There are three plans to choose from and each one comes with the option of choosing either a short or long payment structure. All three plans offer you the flexibility and convenience that comes with applying for financial assistance. All you need to do is choose a plan and acquire your Zodiac timepiece without any delays.

• PayPal Credit – You can either pay off your watch in four installments or choose between a 6, 12 or 24-month payment plan. Depending on the value of your watch, you can settle for a short or long payment plan. One of the advantages of this plan is there is little to no interest included and there are no late payment fees to be concerned about.
• Jeweler’s Reserve – This plan has been designed specifically for people who enjoy shopping in-store. Visit our boutique, choose the Zodiac watch you’d like to buy and we will help you to finance it with one of our options. You also have the choice between a short or long payment plan.
• Affirm – With the Affirm plan you will be able to make your payments on a bi-weekly basis or within 12 months. There are no hidden costs or late payment fees included. The great part about this plan is that it doesn’t have an effect on your credit score.

How Easily Can You Finance a Zodiac Watch?

Applying for financing through Exquisite Timepieces is a quick and convenient process. To find the plan that would be ideal for you, read on.

PayPal Credit

Depending on the value of your watch, you can choose between one of two options.

If your timepiece costs $1,500, it is considered a small purchase and can be paid off within a 6-week period. You will be required to pay one down payment and three interest-free installments. The payments for this option can be made on a bi-weekly basis.

If you would prefer to opt for either a 6, 12 or 24-month plan, then the second option would work better for you. This option however is only available if your watch costs up to $10,000

There are no hidden costs or late payment fees included in this plan. To safeguard yourself, you can request for your payment to be made automatically, every month, from your bank account.

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

Jeweler’s Reserve

If you’re someone who prefers visiting a physical store to look at the items before making your selection then this plan has been designed for you. You can visit our boutique in Naples, Florida to browse through our extensive range of watches. After you’ve found the Zodiac watch you’d like to buy, our team will assist you with the financing process.

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

To receive a 0% interest rate, your payments need to be made on time and within the period you agreed on. This benefit only applies to watches that cost $150 and more. Your timepiece will need to be paid for in full within six months, or 12 months if your timepiece is valued at $300 and higher.

If you don’t pay your installments on the stipulated dates, you will be expected to pay an interest rate of up to 29.99%. The amount you would need to pay will be calculated from the day you purchased your Zodiac watch.

Although you won’t qualify for a 60-month Zodiac financing plan, you will receive an APR of 11.99%. Your payments will also be broken down into 36 installments.

Affirm

This plan is ideal for people who are not comfortable with having a credit check done because of their low score or if they are concerned about the impact the application may have on their score.

There are two options to choose from with this plan. With the first option, you have the opportunity to pay four interest-free installments on a bi-weekly basis. Known as the “Pay in 4” scheme, this plan is ideal for your day-to-day purchases.

If you would prefer a longer repayment structure, the second option would be perfect for you. You will receive a flexible APR of up to 36% and you will have 12 months to complete your payments.

It’s advisable to set up an automatic payment from your account. This will ensure your payments are made on time.

There are no late payment costs or hidden fees included in this plan.

Why You Should Consider Zodiac Watch Financing

Applying for a financing plan includes several benefits. You’re able to choose how long or short you’d want your repayment structure to be to ensure you are comfortable and stress-free. Another advantage, depending on the plan you choose, is you could pay little to no interest.

There are times when applying for financial assistance is a great idea. One example of when it’s an ideal time is when you have been saving towards your watch and it’s currently being sold at a lower price. The only problem is you don’t have the full amount to pay for it upfront. In this case, applying for a financial plan will work in your favor because you can use the amount you saved, apply for the amount you need and purchase the watch at a lower price.

If you’re expecting additional income in the near future in the form of an increase or bonus, then it will also be considered a great time to apply for financial assistance. Knowing that you will have extra money on hand will allow you to make your purchase confidently.

If you decide to choose a long financing plan, this could be seen as an advantage over time. Your watch could turn into an investment if the value increases from the time you purchased it. When it comes to selecting a financing plan, it's best to choose one with little to no interest.

Before applying for a financing plan it’s important to ensure you are financially stable and will be able to pay your installments timeously. You also need to make certain that you have money saved for any unforeseen emergencies or possible business opportunities that may be on the horizon for you.

How Can Financing a Zodiac Watch Impact Your Credit?

Irrespective of what item you decide to purchase, your credit score will be automatically affected when you submit an application for a financing plan. Initially, the impact that the application has on your credit score is minor. When your application is approved, the minor effect increases.

When your application is approved and the funds are released to you, your credit score drops and this is viewed as a negative impact. If you fail or make one or more payments, this will prolong the negative effect on your credit score. The company responsible for providing the funding will also submit a report which will indicate that you failed to make your payments on the stipulated dates.

In order to improve your credit score and ensure it remains at a healthy level, your payments need to be made timeously. By doing so, you will be able to maintain a healthy score while also proving you are responsible and are able to fulfill your financial obligations.

While having a high credit score is great, it’s not possible for everyone. Many people struggle to secure financial assistance because of the credit score. Fortunately, there are plans that don’t require a credit check to be done during the application process. Some companies offer the option which is known as the “Buy now, pay later” plan. It doesn’t affect your credit score and there are no reports about your payment history.

FAQs

Am I eligible for a 0% loan?

Our team of financing partners will complete a credit check on you to establish if you qualify for a 0% loan. When we receive your results, we will use that information to determine which plans you qualify for.

How long does it take to process my financing request?

You can expect to hear back from us after two business days. After you submit your application, our team will start immediately with your credit check. It doesn’t take a long time for the application process to be completed.

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

Some plans don’t require a credit check, so it may be possible to finance your watch without one. If you're uncomfortable with a credit check, inform our team, and we will find a plan that suits you best.