Finance Your Parmigiani Fleurier Watch at 0% Interest & 0% Down Payment
Deciding which Parmigiani Fleurier watch you would want to wear on your wrist should be the only delay when it comes to purchasing your luxury watch. When it comes to financing your purchase, we've got you covered at Exquisite Timepieces.
With a variety of options to choose from, you will be signing up for not only financial assistance, but also the flexibility, convenience and simplicity that comes with applying for a payment plan.
Whether you prefer a short payment period or a longer one, you have total control over the number of installments you will be paying.
If you're ready to take the next step to purchase your timepiece today, read on to find out which financing program is ideal for you.
Does Parmigiani Fleurier Offer Financing?
Whether you prefer a short or long payment plan, Exquisite Timepieces provides you with the opportunity to choose any of the programs mentioned below to finance your Parmigiani Fleurier timepiece.
- PayPal Credit – With the PayPal Credit system you have the option to choose between a short or long payment plan. Depending on the cost of the watch you purchase, you can pay off your installments with four payments or over a 6, 12 or 24 month duration. This plan does not contain any late fees and there is little to no interest included.
- Jeweler’s Reserve – This financing program only applies to in-store purchases so you are welcome to visit our boutique to choose and finance your timepiece. There are various financing options to consider and each has its own set of perks. With each option, you get to choose how short or long you would want your payment plan to be.
- Affirm – The Affirm plan has no effect on your credit score and is ideal if you want to make bi-weekly payments or would prefer to pay your installments over a 12 month period. If you experience difficulties securing financial assistance, you should consider the Affirm plan. There are no hidden costs or late payment fees included in the plan.
How Easily Can You Finance a Parmigiani Fleurier Watch?
The application process is quick and simple to complete. Read on to find out more information on the different financing plans:
PayPal Credit
When you choose the PayPal’s Credit system, you have the option to select one of their two plans which is dependent on the value of your purchase. Along with the great payment plans, this system also offers you security, safety and fraud protection.
Watches that cost $1,500 can be paid off within a 6-week period as they are considered a small purchase. The payments will include one down payment and three installments. The interest-free payments can be made on a bi-weekly basis.
You also have the option to choose a longer payment period which includes a 6, 12 or 24-month plan. This option would be suitable for you if your timepiece costs up to $10,000.
There are no late fees included in this plan and you can also activate an autopay function on your account to make certain your installments are debited from your account on time.
There is an annual percentage rate (APR) which changes and has the potential to increase to 35.99%.
Jeweler’s Reserve
Since the Jeweler’s Reserve financing program only applies to purchases that are made in store, this option is suitable if you prefer to visit a store personally to choose an item before you buy it. If this option appeals to you, you can visit us at our boutique in Naples, Florida and we will help to choose and finance your Parmigiani Fleurier timepiece.
After making your purchase, you will have 18 months to pay for your watch if it costs $999 or more, 24 months for timepieces that are valued at $1,499 and higher or 36 months for items that cost $1,999 and above.
You have the opportunity to enjoy a 0% interest rate if all your installments are paid within the stipulated duration. This is valid for watches that cost $150 or more, which need to be paid in six months, or 12 months for timepieces that are valued at $300 and higher.
If you fail to pay your installments, you will have to pay an interest rate of up to 29.99%, from the day you purchased your Parmigiani Fleurier watch.
While you won’t receive a 60-month Parmigiani Fleurier financing plan, your installments will be divided into 36 payments with an APR of 11.99%.
Affirm
The Affirm financing plan gives you the opportunity to choose between two options. If you would prefer to pay your installments on a bi-weekly basis you can do so with four interest-free payments. This plan, known as the “Pay in 4” scheme, is suitable for your day-to-day purchases.
If you would be more comfortable with a longer payment period, the second option would be ideal for you. You will have 12 months to pay your installments with a flexible APR of up to 36%.
One of the advantages of the Affirm plan is your credit score will not be affected during the application process. There are also no late payment costs or hidden fees.
A safe way to ensure your payments are made on time is to activate an automatic payment setting on your account.
Why You Should Consider Parmigiani Fleurier Watch Financing
One of the main advantages of choosing to finance your Parmigiani Fleurier watch is knowing you can purchase your timepiece today, without any delays or long waiting periods. In addition, you will also have the flexibility to pay for your purchase in installments with little to no interest with certain plans.
If you are someone who is unable to pay for your purchase upfront, the financing route is ideal for you. You can use the money you have saved so far for your watch and complete the outstanding amount by applying for financial assistance. This option is considered a good idea if you spot the watch you want to buy at a great price. By applying for financial assistance to make the purchase, you will be benefiting from the great price while also having the comfort of paying your installments at a pace that suits you best.
Another good time to choose the financing option is if you are expecting to receive extra income in the form of a raise or bonus at work. This will help you to purchase your watch with confidence knowing you will be able to pay off your installments comfortably.
If you decide to choose a lengthy financing plan, this could work in your favor if the value of your watch increases over time. The increase in value positively turns your watch purchase into an investment. When choosing a financial plan, it is important to select one with little to zero interest.
While the idea of having your luxury watch sooner than expected is quite tempting, you need to ensure you are financially stable to pay the required installments. It is also important to have money available for any emergencies or business prospects that you could benefit from. Before you consider applying for financial assistance, you should be certain that you would not be under any financial strain if you choose to finance your purchase.
How Can Financing a Parmigiani Fleurier Watch Impact Your Credit?
When you decide to apply for financial assistance to purchase a watch, or any product, you can expect your application to have a slight effect on your credit score. This effect is then increased when your application is approved and you receive the finance to make your purchase.
Due to the drop in your credit score, this impact is viewed as a negative one. The negative effect will continue if you fail to pay one or several installments. The company responsible for providing the financing assistance will also submit a report if you fail to make your payments on time.
On a positive note, your credit score can increase and remain healthy when you pay your installments on time and complete all your payments within the duration that was agreed upon when you signed up for the financial plan. By ensuring your payments are made timeously, you will prove your financial responsibility and reverse the negative impact that occurred at the beginning of the process.
Ideally, it would be great if everyone was able to have a high credit score, but unfortunately there are many people who face difficulties when applying for financial assistance because of their low scores. If you’ve struggled with your application in the past, because of your score, we also have some good news for you.
There are some financing plans that don’t request for a credit check to be completed during the application process. Companies offer a "Buy now, pay later" plan which doesn’t affect your credit score or include any reports about your payments.
FAQs
Am I eligible for a 0% loan?
For us to confirm if you are eligible for a 0% loan, our team of financing partners would need to complete a credit check on you. After we receive the outcome of your credit check, we will be able to provide more information on which plans you qualify for.
How long does it take to process my financing request?
The application process is quick and simple. You can expect to receive feedback from us after two business days. Our team will begin with your credit check score immediately after you send through your request to apply for a financing plan.
Can you get Parmigiani Fleurier watch financing without credit check (or bad credit)?
While doing a credit check on every applicant is essential in our process, there are plans that don’t require a credit check to be done. If you prefer to not have a credit check done, because you are uncomfortable or are aware of your low score, inform our team and they will try to help you find a plan that would be suitable for you.
