Rolex, Patek Philippe and Audemars Piguet
The pieces we lend against most — Submariner and Daytona, Nautilus and Aquanaut, Royal Oak and beyond.
Pawnbroker loans against luxury watches · City of London · Est. 2013
Borrow against your watch. Wear it again when you repay.
Trinity makes pawn loans against luxury watches — Rolex, Patek Philippe, Audemars Piguet, Omega, Cartier and more — from £500 with no maximum. Valued by specialists, insured door to door, held securely in the City of London, and returned to you exactly as you left it when you repay.
No credit checks. Nothing on your credit file. Offer the same day.
What is your watch worth as a loan?
Tell us the make, model and condition, and send a few photos. A watch specialist reviews it against the current market and comes back with an indicative offer the same day — at no cost, and with no obligation.
Step 1 of 2 · Your watch
£60m+ lent since 2013Confirm Valued against the live market Funds within 24 hours FCA regulated · Ref 741896 Free insured collection
What we lend against
The watches we lend against
We lend against the watches collectors actually own and intend to keep — modern and vintage, dress and sport, complications and everyday pieces. Box and papers help the valuation, but they’re not essential.
Omega, Cartier, Breitling and more
Established makers with strong resale — Speedmaster, Santos, Tank, Navitimer.
Vintage and rare
Older references and limited pieces, valued on their own merit by specialists who know the market.
With or without box and papers
Missing the box or papers doesn’t rule a watch out — it’s one factor in the valuation, not a dealbreaker.
What it costs to borrow
Priced below the high street, in writing
Your watch is valued by a specialist against the current market — the exact reference, its condition, and whether it has its box and papers — not weighed and guessed like scrap. That means an accurate valuation and a competitive loan, at rates lower than the typical high-street pawnbroker.
Loan size
£500 upwards
Term
6 – 24 months
FeesNeeds confirmation
No arrangement fee
Credit file
No credit checks
Worked exampleAwaiting compliance
A £5,000 loan against a Rolex Submariner 126610LN, over 6 months
Amount borrowed£5,000
Term6 months
Interest£1,050
Total to repay£6,050
Representative APR51.1%
Illustrative only. Your own figures depend on the specific watch, its condition, and the market on the day — you see them in full before you commit to anything.
How it works
Four steps. Back on your wrist at the end.
Step 01
Tell us about your watch
Send the make, model and a few photos. A specialist values it and sends an indicative offer the same day.
Step 02
Send it to us, insured
Free, fully insured delivery — or bring it to our City of London office by appointment. Insured from the moment it leaves your hands.
Step 03
Accept the offer and get paid
Once we’ve seen the watch in person we confirm the valuation. Accept, and the money is with you within 24 hours.
Step 04
Repay, and it’s back on your wrist
Loans run for six months and can be extended. Repay early and you pay less, with no penalty. Your watch is returned exactly as you left it.
Read the process in full, including what happens at the end of the term →
How we value watches
Valued by watch specialists, against the market
Every watch is assessed by a specialist — then valued against current market prices for that exact model. We don’t weigh it and guess, and we don’t treat a collector’s piece as scrap. Our specialists come from auction houses and the trade.
Authenticated
Reference, movement and originality of parts, checked by hand.
Priced to the market
Valued against live market prices for the exact model — not a generic estimate.
Box & papers weighed in
Condition and provenance factored in — helpful, never required.
Nothing sight-unseen
You see the valuation before you commit to anything.
Why Trinity rather than the high street
A pawnbroker for watches you intend to keep.
We-buy-any-watch and cash-for-watch services buy your watch outright. We don’t. A pawn loan is a loan — you keep ownership, we keep it safe, and you take it back when you repay.
Trinity
The high street
Your watch
Yours throughout — a loan, never a sale
Often bought outright
Valuation
Priced to the live market by a watch specialist
Weighed and guessed like scrap
Rates
Below typical high-street pawnbrokingNeeds substantiated APR
Higher headline APRs
Storage
Secure, insured storage in the City of London
Varies by branch
Credit file
No credit checks, nothing recorded on your file
May run credit checks
400+ five-star reviews of Unbolted, the FCA-regulated lender behind every Trinity loan.
Case study · Redeemed
A Rolex Daytona, lent against for £14,000. Valued the same day, funds within 24 hours — redeemed four months later and returned exactly as it arrived.
PieceRolex Daytona
Amount lent£14,000
Funds releasedWithin 24 hours
OutcomeRedeemed in 4 months
Illustrative case study — no identifiable people, no full customer names. Figures to be replaced with a real, consented case.
Watch FAQs
Asked, answered
No. This is a loan against it. You keep ownership throughout and take the watch back when you repay.
No. They help the valuation, but a watch without them can still be lent against — it’s one factor, not a requirement.
No. It’s held securely, not worn, displayed or offered for sale, and returned exactly as you sent it.
Free, fully insured delivery, insured up to £25,000 by Royal Mail Special Delivery. You can also bring it in by appointment.
Talk to us. Loans can usually be extended. If a loan is not repaid, the watch may be sold, and anything it makes above what you owe comes back to you.
No. There is no credit check and nothing is recorded.
An indicative offer the same day, and funds within 24 hours of us confirming the valuation.
Representative exampleVerbatim from compliance
Borrowing £5,000 for 6 months at 3.5% per month; total repayable £6,050; representative 51.1% APR.
Designed as a first-class element rather than small print — final wording inserted verbatim once signed off. Figures shown are illustrative.
Get started
Find out what your watch is worth
A confidential valuation, at no cost, with no obligation to proceed.
Value my watchOr speak to a specialist: 020 3567 1300 · WhatsApp