Finance Your Seiko Presage Watch at 0% Interest & 0% Down Payment
When it comes to purchasing your dream Seiko Presage, paying upfront isn’t the only available option. Here at Exquisite Timepieces, we provide tailored finance packages for all your bespoke needs. Many of these options do not require any down payment! We haven’t even got to the best part yet: Depending on your selected financing plan, you have the opportunity to enjoy 0% interest!
Does Seiko Offer Financing?
Here at Exquisite Timepieces, we offer many easy payment programs depending on your circumstances:
- PayPal Credit: Purchase today and pay in multiple installments later with PayPal’s Credit service. Whether it’s bi-weekly or monthly installments, you can pay with peace of mind knowing that there are no late fees and little to no interest.
- Jeweler’s Reserve: Enjoy several in-store purchasing plans using a Jeweler’s Reserve card for your Seiko Presage. Interest rates are dependent on the amount of chosen installments, as well as your order value. This could be 0% if you pay in full within a certain period!
- Affirm: Buy your brand new Seiko Presage today and pay for it later using Affirm’s flexible finance plan. Choose to either pay in four interest-free bi-weekly installments, or additional monthly installments for larger purchases.
How Easily Can You Finance a Seiko Presage Watch?
Financing a brand new Seiko Presage has never been easier. Regardless of your financial plan, you won’t have to wait long to get your hands on that shining new Seiko Presage watch you’ve dreamed of. Here’s how you can use a Seiko Presage 0% finance plan to purchase your favorite Seiko Presage watch today:
PayPal Credit
PayPal’s credit system is one of the most popular financing options available for your Seiko Presage purchase. With the safety, security and fraud protection offered by PayPal, buy and enjoy your Seiko Presage today with zero strings attached and worry about paying later.
With all the options available, financing can be very confusing, which is why we’ve worked hard to make the process a breeze to go through, so that you’ll have a brand new Seiko Presage on your wrist sooner rather than later.
Depending on your finance needs, PayPal credit offers different options to suit your exact needs. Smaller transactions (up to $1,500) and another for larger purchases. The first plan provides the option to pay the full amount over four bi-weekly installments (broken down into 1 down payment and 3 installments over 6 weeks), with no late fees and zero interest.
Another plan allows you to select either 6, 12, or 24 monthly installments applicable for orders from up to $10,000. APR is variable and can be up to 35.99%. Alternatively, you have the option to autopay your installments. This option also does not come with late fees.
Jeweler’s Reserve
A Jeweler’s Reserve Card provides several benefits, some of which include $0 on unauthorized payments, simple account management online and no annual fees. Bear in mind, Jeweler’s Reserve’s finance plans are only applicable for in-store purchases. Simply walk into any of our Exquisite Timepieces boutiques (such as Naples and Florida), select your dream Seiko Presage watch, and take it home with you the same day with the extensive financing options offered.
Here at Exquisite Timepieces, we provide dedicated finance plans which come with zero interest, under the condition that the full amount is paid off within certain timeframes. Orders over $150 can be paid off over a 6 month period, with 12 months for purchases above $300. In the situation you are unable to clear the total balance in the allocated time frame, you may be charged interest rates up to 29.99% from the date of purchase.
Large value purchases come with larger value finance plans. These can vary from 18 ($999 or more), 24 ($1,499 or more, or 36 ($1,999 or more) monthly payments at an APR of 11.99%. You may not get a 5 year Seiko Presage financing plan but having your purchase split into 36 compact installments with a decent APR will allow you to enjoy more of your Seiko Presage watch for less.
Affirm
Purchase your brand new Seiko Presage watch today and pay for it later at your own pace using Affirm. Affirm doesn’t come with surprise hidden or late fees whatsoever, so you can purchase your dream Seiko Presage with no strings attached. What’s more is that Affirm allows you to set up a convenient automatic payment system, so you have peace of mind when it comes to your next payment.
“Pay in 4” is a popular scheme offered by Affirm for everyday purchases. Simply purchase whatever you desire online and pay it out in four bi-weekly installments with zero interest. That’s not even the best part: Unlike standard financing options out there, Affirm won’t impact your credit score at all!
If you wish to opt for further versatility, Affirm offers a monthly payment scheme, providing up to 12 monthly installments with a variable APR of up to 36%.
Why You Should Consider Seiko Presage Watch Financing
Generally, investing in any luxury purchase will require you to have a large sum of money saved up. There are situations where financing a luxury watch purchase can be the most sensible option as opposed to paying upfront. Regardless of your chosen path, we advise that financial security is paramount before you consider spending thousands of your hard-earned dollars on a luxury watch.
The most common scenario where luxury watch financing is a good option is when you find yourself a bargain. If you’re saving up for your brand-new Seiko Presage watch and you see it on sale, but may not quite have all the cash required for it, financing would definitely be a sensible consideration.
After all, it is very likely that you’d have gathered all the money you need by the time you’ve paid out your purchase in full. On the plus side, if you opt for a long-term financing plan, the watch’s market value could rise significantly in the meantime, making it a great investment! To avoid losing money in the long run, we strongly advise that you opt for a Seiko Presage payment plan which offers zero or very low interest.
You might be an individual who is expecting a large bonus or raise from your job and want to treat yourself. This is another common situation where it would make sense to finance your Seiko Presage purchase. Exquisite Timepiece strongly suggests that you have “rainy day” money saved up, before choosing to invest in your Seiko Presage.
Financing doesn’t mean you have to break the bank. A monthly Seiko Presage payment plan provides the opportunity to invest the rest of your hard-earned cash for other financial endeavors. You never know when an investment opportunity may arise, so having funds on the side and your brand-new Seiko Presage watch on your wrist on a 0% interest financing plan is most definitely a win-win situation!
How Can Financing a Seiko Presage Watch Impact Your Credit?
By this point, you may be wondering: “In what way will choosing a finance plan for my new Seiko Presage watch impact my credit score?”. We understand how hard it is to build credit and you wouldn’t want to ruin it for any luxury purchase.
However, financing a Seiko Presage watch, or any luxury watch for that matter can have both positive and negative credit impacts. To begin with, when you apply for most financing plans, you’ll be subject to a credit score check, which in itself can have a slight negative impact on your credit.
As with any case of borrowing money, once you’re granted the loan for the financing scheme, expect an immediate drop in your credit score. Additionally, if you miss a single (or even a few) payment(s) and the company reports it, your credit can be negatively affected.
On a more positive note, a financing plan to buy a Seiko Presage watch can also prove to be advantageous for your credit score. Once you’ve completed all your payments promptly, your score will likely increase as you’re demonstrating financial responsibility.
Keep in mind there are a few financing programs that won’t impact your credit score at all. Certain platforms will also allow you to employ their “Buy now, pay later” plan to finance your purchase, without running a credit check or having to report your loan and payments.
In the end, this won’t have any negative or positive effect on your score. It can be the ideal option for those with poor credit, who otherwise struggle to be granted loans with favorable interest rates (or not at all).
FAQs
Am I eligible for a 0% loan?
If you want to know whether you’re eligible for a 0% loan for your watch purchase, get in touch with us. Our team of financing partners will run a quick credit score check and get back to you to discuss whether you qualify and what your options are.
How long does it take to process my financing request?
As soon as you submit your request for financing, our partners will begin their mandatory check on your credit score and available options. The process is very quick and straightforward and shouldn’t require more than 2 working days to complete.
Can you get Seiko watch financing without a credit check (or bad credit)?
If you’re worried about your credit or don’t want to have a credit check to finance your Seiko Presage watch, feel free to contact us or our partners and we will do our absolute best to cater to your specific situation. You may likely need to go through a credit check, but it is most definitely worth considering to see what your options are.
