Finance Your Ressence Watch at 0% Interest & 0% Down Payment
Enjoy the indulgence of buying a new Ressence watch without paying the upfront cost. With the right financing plan, you can turn a luxury expense into an investment and Exquisite Timepieces is here to help you pick the right option for your financial situation.
We offer a range of financing plans at 0% interest and 0% downpayment. You can't find any better deals to elevate your style by buying the timepiece of your dreams.
Does Ressence Offer Financing?
Buy your Ressence watch at Exquisite Timepieces and choose from these three convenient financing plans:
- PayPal Credit - Take advantage of PayPal Credit, acquire your new watch today and pay for it through flexible installments. With this type of watch financing, you can choose between bi-weekly and monthly payments at little to no interest. There are also no late fees so you can indulge without the worries.
- Jeweler’s Reserve - Experience the privileges a Jeweler's Reserve card can offer. Ideal for in-store purchases, this type of financing program allows you to tailor the number of installments according to your preference. Interest will vary from plan to plan and according to the value of your Ressence watch. If you pay the amount due in full within the promotional period, get a chance to avail zero interest on your loan.
- Affirm - Unlock a more convenient way of buying a Ressence watch through Affirm. With its "buy now, pay later" scheme, you can get your watch today and pay for it in four bi-weekly installments for smaller purchases while larger-value orders offer additional monthly installments as needed.
How Easily Can You Finance a Ressence Watch?
Getting approved for a financing plan for a watch purchase is a very straightforward and speedy process. Processing will typically take 2 business days from the date of application and before you know it, you're showing off a stunning timepiece without breaking the bank. To get started, here's a guide to availing a 0% interest plan for your Ressence watch:
PayPal Credit
Shop for your dream watch with PayPal Credit and enjoy a world of privileges including a fast, safe, secure process, fraud protection, and no annual fees. If you've decided on which Ressence model to get, you can apply for PayPal credit in seconds and acquire your watch from PayPal's powerful shopping network. Whether for small or large purchases, a hassle-free checkout is always guaranteed.
Financing your watch through PayPal Credit gives you access to two flexible payment plans. For orders up to $1,500, you can pay for it in four bi-weekly payments at zero interest and no late payments.
Pricier orders up to $10,000, on one hand, allow more flexibility. You can choose to pay the cost in 6, 12 or 24 months depending on the order value and your preference while the APR will vary from plan to plan and can reach up to 35.99%. Avoid late fees by setting up an auto-pay arrangement and enjoy no interest if balance is paid in full within the specified period.
Jeweler’s Reserve
Specially created for jewelry purchases, Jeweler's Reserve is another ideal financing option for the Ressence watch you've been eyeing to buy. With benefits like zero liability on unauthorized payments and no annual fees plus an online platform for account management, purchasing a new watch will never be as seamless and effortless. There's just one caveat. Purchases need to be made in-store. Visit our Exquisite Timepieces boutique in Naples, Florida and own the watch of your dreams today.
One of the best things about owning a Jeweler's Reserve Card is the privilege of enjoying zero interest if the balance is paid in full within 6 months for purchases of $150 or more and within 12 months for purchases of more than $300. Failure to settle within the specified period will incur interest up to 29.99%, which will be charged to your account from the date of purchase.
For more lucrative purchases, payment plans are more flexible at a variable APR of up to 11.99%. Orders from $999 or more can be paid in 18 months, $1,499 or more in 24 months and finally, $1,999 or more in 36 months. Whichever plan you opt for, you can guarantee to avail a reasonable APR and a flexible repayment plan that's hard to find elsewhere.
Affirm
Experience a smarter way to pay for your Ressence watch. With Affirm, you can buy anything you love from practically any store and pay for it at your own comfortable pace. Taking the hassle and the worries out of luxury watch shopping, Affirm has no hidden fees and late payment charges. You can even set up an automatic payment arrangement so you never miss a single payment.
Affirm offers two types of financing plans. The "Pay in 4" is great for everyday purchases and allows you to complement payments in 4 interest-free installments every 2 weeks. A popular choice for shoppers, this plan has no interest or fees and setting up automatic payments is a breeze.
If you're seeking more payment flexibility, you can try the monthly payment plan, which allows you to defer payments for up to 12 months at an APR up to 36%. This is perfect for higher-value purchases. Like the other plan, you can enjoy no hidden fees and stress-free automatic payments.
Why You Should Consider Ressence Watch Financing
Financing a luxury purchase like a Ressence watch is not a liability if you know what you're getting into. There are several good reasons why financing may be the better option than using up all your savings to buy a new timepiece. Before moving forward, however, there's one crucial thing to remember. Financial security is still paramount. Make sure you're in a good place financially before indulging in buying a costly luxury watch.
One of the best reasons why you should consider financing a Ressence watch is if you find it on sale. If you know you're going to get a bargain, apply for financing and acquire your watch today which can turn into a lucrative investment over time. Keep saving as you pay for the installments and by the time you're done, you'll have a substantial amount of cash on hand which you can use to buy another watch or redirect it to another investment.
If you know you're going to get a salary increase or will be receiving a huge bonus, this could be another good reason for financing. You can use this money to pay for the monthly installments thus eliminating any worries of late or missed payments.
Finally, financing a Ressence watch is justifiable if you find a plan that offers minimal to zero interest, no hidden fees and no late payment fees. How do you find the right plan? Start by finding a reputable dealer that offers financing options at a decent APR and guarantees fast approval. If you do get approved, be a responsible payer and ensure timely repayments to avoid any problems and hopefully boost your credit rating too.
How Can Financing a Ressence Watch Impact Your Credit?
Will financing a Ressence watch impact your credit score? Unfortunately, like with any type of borrowing, it will impact your credit in both ways. But the good news is there are things you can do to ensure the positive outweighs the negative impacts.
Whether you're financing through PayPal Credit or a Jeweler's Reserve, an initial credit check is generally required and that will have a slight negative impact on your rating albeit temporarily. Once approved for financing, it will prompt a hard credit inquiry, which again will impact your credit score. Late or missed payments can further cause your credit to drop.
Now that you know how financing a watch can negatively affect your credit score, let's make sure you’ll get the best end of the deal. If there's only one thing you can do, it's to pay all your installments on time. That way you'll demonstrate your exemplary financial responsibility and thereby increase your credit score by the time you've fully paid out your loan.
If you have bad credit and are worried about not getting approved for any financing plan, worry no more. There are platforms that offer "Buy now, pay later" options for your Ressence watch. Credit checks are not run and late payments are not reported either.
With "Buy now, pay later" plans, you don't have to worry about your credit being affected. It's the most ideal option for people with bad or poor credit.
FAQs
Am I eligible for a 0% loan?
Do you want to know if you're eligible for a 0% financing plan for your Ressence watch purchase? Don't hesitate to contact us and our financing partners will run a quick credit check. If eligible, we can discuss available options for your situation.
How long does it take to process my financing request?
Committed to guarantee expedited processing, Exquisite Timepieces typically requires 2 business days to conduct a mandatory credit check, assess suitable options and finally, confirm approval for your financing request.
Can you get Ressence watch financing without a credit check (or bad credit)?
At Exquisite Timepieces, we are ready to help anyone including those with bad or poor credit. If you're worried you might not get approved, just contact us and we'll do the rest. A credit check may still be required but that's only so we can help you find available options for your situation.
