Watch Guides

How To Finance A Rolex Watch + Where To Buy Online


Does Rolex allow you to finance? Yes, we have a full guide here on how the whole process works and where to go to buy Rolexes.

Do you dream of owning a luxury watch but can’t afford one?

Turn your dreams into reality with the help of convenient financing options that make acquiring a Rolex timepiece more affordable than you might have ever imagined!

Many people aspire to own a Rolex watch at some point in their lives. 

These luxury watches are not only visually appealing, but Rolex watches are also renowned as valuable investments, which has led to a strong demand in the market today and long waiting lists.

But how does Rolex financing work? Can you really pay in installments rather than in one lump sum if you don’t have enough cash? 

Today, let’s answer those questions by exploring different Rolex financing options and how they could help you turn these watches from being just a dream into a dream come true reality.

So, if you want to know more about this topic and learn how to finance a Rolex Submariner or other Rolex models, continue reading our detailed guide below!

Can I Buy A Rolex with Affirm Or Other BNPL Apps?

How To Finance A Rolex Watch.

Yes! Affirm and other Buy Now, Pay Later (BNPL) apps available on your favorite watch marketplace can help to finance the purchase of a Rolex watch. 

These flexible payment options from third-party platforms can break down the cost of a Rolex watch into manageable installments or monthly payments with a minimum charged interest.  

The monthly payment amount from platforms is determined by the entire amount of the watch that you want to buy, the number of payments and the loan interest rate you choose within the app.

How To Buy A Rolex Watch With Affirm

How To Finance A Rolex Watch.

Buying a Rolex online through Affirm financing and getting a personal loan is fast and easy.

From selecting your desired timepiece to finalizing the purchase, here are three easy steps to do it.

#1. Select Affirm BNPL

After choosing the watch you want, Select Affirm Pay Over Time as your payment method.

#2. Choose A Loan

Pick your monthly payment terms that work for you and your budget. Choose from 4 payments every 2 weeks to 3, 6, and 12-month payment options.

#3. Enter Your Credit Card And Checkout

Lastly, enter any other required information along with your credit card or debit card number, and proceed to the checkout page. 

This method will automatically deduct your monthly payment from your debit card, checking account, or Affirm Savings account on each due date.

How To Buy A Rolex Watch With Klarna

How To Finance A Rolex Watch.

Like Affirm, Klarna is another good alternative BNPL app to split-pay and finance a Rolex timepiece. 

As one of the smoothest and safest ways to pay over time, Klarna offers low APR interest rates with a maximum of 24.99%. Here are three easy steps to do it. 

#1. Select Klarna BNPL

After choosing the watch you want, Select Klarna Monthly Financing as your payment method to qualify for monthly payments plans.

#2. Choose A Loan

Choose a loan based on your budget. 

Pay the loan off over a set period of 6, 12, 18, 24, 36 months. 

If you opt to split the cost of your purchase into only 4 payments, paid every 2 weeks, you don’t need to pay interest or any other hidden fees.

#3. Enter Your Credit Card And Checkout

Finally, provide any necessary details and enter your credit or debit card number before proceeding to checkout.

Rolex Financing Example

If you’re interested in financing a Rolex watch, let’s use an example to give you a better understanding. 

Say you’re considering a Rolex Datejust that costs $4,250. If you decide to pay for it over a 6-month period, you’ll need to make 5 payments of $663.73 and a final payment of $659.01. The total cost with financing would be $4,402.70.

Here is a chart to better understand how Rolex financing math works.

(1)Purchase Price$4,250
(2) = (1) x 0.1Initial Deposit (10%)$425
(3) = (1) x 0.9Loaned Amount$3,825
(4) = (3) x [1 + .149 / 2] / 5First 5 Payments @ 14.9%$822.0 per payment
(5) = (1) x [1.0745] ^ 2 – (4) Last Payment$659.1
(6) = (1) x [1.0745] ^ 2Total Paid$4,402.7

Does Affirm Perform A Credit Check?

Affirm might perform a hard credit check, but this is too seldom and only happens if you are loaning a larger amount or if they need more information about your credit history. 

However, Affirm always checks your credit with a soft credit pull as part of their eligibility check before they approve your request. 

But don’t worry. This process would not affect your credit score and only be done as part of your application process.

Do You Need A Minimum Deposit With BNPL?

Minimum deposit depends on the purchase amount. 

Leading BNPL platforms such as PayPal Financing, Klarna, and Affirm often require a down payment for higher purchase amounts. 

The down payment requirement can vary and is generally computed as a percentage of the total purchase price.

Are There Any Penalties For Paying Off My BNPL Loan Early?

How To Finance A Rolex Watch.

Absolutely not. 

These BNPL lending partners like Affirm, Klarna, or Sezzle do not impose prepayment penalties or any fees for settling your loan ahead of schedule. 

On the contrary, if you pay the entire loan before the final due date, you will pay interest only for the period you borrowed.

This means that paying off your balance as quickly as possible can help you save money in the long run.

Where To Buy Pre-Owned Rolex Watches With Buy Now Pay Later

How To Finance A Rolex Watch.


For more than 20 years, Fashionphile cemented its place as one of the world’s top resellers of pre-owned luxury watches, including Rolex, Patek Philippe, Audemars Piguet, and other timepieces. 

They are known for curating high-quality supply and providing best-in-class shopping experiences for its customers.


Jomashop is one of the premier online shops that sells some of the most sought-after luxury fashion items to customers around the globe. They are known to only sell 100% authentic new and pre-owned luxury watches and offer safe and secure financing options.

Bob’s Watches

Established by watch experts for over two decades, Bob’s Watches has built a solid reputation as a reputable dealer of authentic and affordable Rolex and other luxury watches.

Besides offering their customers finance a Rolex option with a very minimum interest fee, Bob’s Watches offers a money-back guarantee option if you’re not satisfied with their product.

Can You Invest In Rolex Watches?

Yes. Rolex watches are one of the few luxury watches that are known to retain and even appreciate their value, making them a great investment option for watch collectors or casual watch wearers who want to invest their money without the high risk of losing it.

In fact, a Rolex watch is an asset that frequently outperforms stocks in terms of performance and remains stable even during an economic crisis, just like what happened in the previous COVID pandemic.

Rolex Financing – Conclusion

And that’s it! 

With this guide, we hope we have answered all of your questions and queries regarding different Rolex financing options that can help you obtain the Rolex watch you’ve been dreaming of for a long time.

Now that we know about this helpful payment option, you may also want to know some of the most affordable Rolex watches in the market today by reading our detailed article about them.

If you have questions, comments, or suggestions, please feel free to leave us a message below.

Ethan Hunt is the executive editor of, a luxury lifestyle website. With a background in education, he has a keen interest in educating readers on the finer things in life, particularly in the realm of fashion and luxury style. His love for these topics has led him to pursue a career in editorial work and he continues to share his knowledge with readers around the world.

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