Watch Finance
Own Your Dream Watch,
Pay Monthly
Spread the cost of your next timepiece with flexible finance arranged through Ideal4Finance. Choose a deposit and repayment term to suit you, from interest-free plans to longer terms with low monthly payments.
200+
Five-Star Reviews
1000+
Watches Bought & Sold
UK-Wide
Insured Delivery & Collection
12 Months
Minimum Warranty
Why Finance With Us
The Benefits Of Watch Finance
Spread The Cost
Own the watch you want today and pay in manageable monthly instalments rather than all at once.
Flexible Terms
Choose a repayment term from 6 to 48 months, with interest-free and interest-bearing options available.
Quick Decisions
Apply online in minutes through Ideal4Finance and receive a prompt decision from their panel of lenders.
FCA Regulated
Finance is arranged through Ideal4Finance, a credit broker authorised and regulated by the FCA.
Finance Calculator
Estimate Your Repayments
Enter a watch price, choose your deposit and see how your monthly payment changes across every available term. Adjusting the deposit or term shows exactly how the cost of finance differs for you.
Enter the price of any watch to see how the repayments change.
Estimated monthly payment
£161.35
9.9% APR · 24 months · Interest Bearing
- Amount of credit
- £3,500
- Deposit
- £1,500
- Interest paid
- £372
- Total repayable
- £3,872
Please note: the finance calculator provides only a guide and the exact amounts will be confirmed during the application process.
Compare every term
Based on £5,000 with a £1,500 deposit
| Term | APR | Monthly | Interest | Total repayable |
|---|---|---|---|---|
| 6 monthsInterest Free | 0% APR | £583.33 | £0 | £3,500 |
| 12 monthsInterest Bearing | 4.9% APR | £299.47 | £94 | £3,594 |
| 24 monthsInterest Bearing | 9.9% APR | £161.35 | £372 | £3,872 |
| 36 monthsInterest Bearing | 17.9% APR | £126.36 | £1,049 | £4,549 |
| 48 monthsInterest Bearing | 17.9% APR | £102.63 | £1,426 | £4,926 |
How It Works
Finance In Four Simple Steps
Choose Your Watch
Browse our collection and pick the timepiece you'd like to finance. Use the calculator below to estimate your monthly repayments.
Apply Online
Complete a quick and secure application through Ideal4Finance. Their panel of lenders searches for the best available rate for you.
Receive Your Decision
Applications receive a prompt decision. The rate offered is always provisional and depends on your circumstances, the loan amount and the term.
Enjoy Your Watch
Once approved and your deposit is settled, your watch is prepared for fully insured delivery or collection from our Barnsley office.
Representative Example
- Purchase price
- £5,000
- Deposit (30%)
- £1,500
- Amount of credit
- £3,500
- Interest rate (fixed)
- 17.9% APR
- Loan term
- 48 months
- Monthly repayment
- £102.63
- Total amount repayable
- £4,926.23
- Total cost of purchase
- £6,426.23
Finance FAQs
Everything you need to know about financing your next timepiece.
Who provides the finance?
Finance is arranged through Ideal4Finance, an established UK credit broker that works with a panel of reputable lenders to help you spread the cost of your purchase. Timepiece Epicurean is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance.
How much deposit do I need?
A deposit of at least 30% is recommended for watch finance, though you can model deposits from 10% to 50% in the calculator above. A larger deposit reduces both your monthly repayment and the total interest paid.
What terms are available?
Repayment terms range from 6 to 48 months. Shorter terms typically carry a lower APR (including 0% interest-free options), while longer terms lower your monthly payment but increase the total interest paid.
Are the figures in the calculator guaranteed?
No. The calculator provides an illustration only. The rate offered is always provisional and will depend upon your personal circumstances, the loan amount and the term. Exact amounts are confirmed during the application process.
Can I use a part exchange towards my deposit?
In many cases, yes. We may be able to take your current watch in part exchange towards your deposit. Please contact us to discuss your options before applying.
Will applying affect my credit score?
Finance is subject to status and affordability checks carried out by the lender. Please borrow responsibly and only commit to repayments you can comfortably afford.
Timepiece Epicurean Ltd is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance. Ideal Sales Solutions Ltd is a credit broker and not a lender (FRN 703401). Finance available subject to status. The rate offered is always provisional and will depend upon your personal circumstances, the loan amount and the term.
Finance is subject to status and affordability checks. Please borrow responsibly — taking out finance is a financial commitment and you should ensure you are able to make all repayments on time and in full. The finance calculator provides only a guide and the exact amounts will be confirmed during the application process.