Luxury Watch Finance Online
London's Preferred Rolex Dealer
Our Price Match Guarantee: Find the same watch at the same quality for a lower price, and we will beat it!
If you’ve been eyeing a luxury watch but prefer not to pay for it all at once, you might consider convenient financing options. When you purchase a luxury watch from BQ Watches, you can take advantage of the best possible price and flexible payments from Deko that suit your preferences.
With Deko, BQ Watches customers benefit from a range of flexible finance options, including interest-free and interest-bearing loans, that are designed to allow you to spread the cost of your purchase over a period of 6 to 60 months. The loan amount can range from £250 to £15,000, and you have the flexibility to choose a deposit of up to 50% of the value of the goods. If you have any questions at all, please get in touch.
Representative APR Example:
Interest Free
2 Years Interest-Free with 40% deposit.
Cash price £12,000, Deposit £4,800. Total amount of credit £7,200.00 over 24 months with an annual interest rate of 0% (Fixed).
Monthly repayments will be £300 with a total repayable of £12,000. 0% APR representative.
Interest Bearing
Cash price £12,000, Deposit £2,400. Total amount of credit £9,600.00 over 48 months with an annual interest rate of 9.9% (Fixed).
Monthly repayments will be £241.08 with a total repayable of £13,971.75. 9.9% APR representative.
Finance for Luxury Watches
Fair Credit Terms for Our Customers
At BQ Watches, we strive to provide a customer service experience that far exceeds your expectations. That’s why we partnered with Deko to provide our customers with credit options that are clear, secure, and convenient.
When you choose to buy a luxury watch on credit, we’ll make it simple for you to find the perfect watch and select terms that you are comfortable with. Read on below to learn more about luxury watch financing with Deko.

FINANCING AVAILABLE WITH DEKO

Applying for Finance Online with DEKO
Used responsibly, finance is a smart way to spread the cost of your purchase. At BQ Watches, we’ve partnered with Deko, a reputable credit broker authorized and regulated by the Financial Conduct Authority, whose secure technology lets you complete a loan application with one or more carefully selected lenders quickly and easily. Through Deko, you can easily connect with one or more carefully selected lenders. For more information on how BQ Watches and Deko are regulated, please refer to the ‘Legal Information’ section on this page. Learn more about Deko below.
https://www.dekopay.com/for-customers
Deko works to connect you with lenders that offer finance options suited to your needs and the specifics of your purchase. As a valued customer of BQ Watches, your finance application will be assessed by Duologi. In the event that Duologi declines your application, Deko will present your application to another lender with different acceptance criteria, providing you with a second opportunity for approval.
To conveniently spread the cost of your purchase, simply select Deko as your finance option at the checkout. The application process is straightforward and user-friendly, with helpful guidance provided throughout. You’ll receive a decision from your lender in just a matter of seconds, making it a quick and efficient process.
Please be aware that finance options involve credit and require responsible repayment. If you fail to maintain your payments, your lender may engage a debt collector or initiate legal action to recover the outstanding amount. It’s important to maintain a good repayment record to avoid any adverse impact on your credit file.

Lender Arrangements
All of Deko’s lenders are duly authorised and hold the necessary permissions to offer credit. They adhere to strict responsible lending standards, ensuring that your application will be treated fairly and responsibly.
Whichever lender Deko introduces you to, Deko may receive a commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders Deko works with pay commission at different rates, but the commission received does not influence the interest rate you pay. You will be offered the best rate available from Deko’s partner lenders, based on the lenders’ decision policies. You have the right to know the amount of commission paid in relation to your application – if you’d like this, you can ask Deko’s customer support team on [email protected] or by phone on 0800 294 5891.
check your eligibility
- Are at least 18 years old
- Are in regular full or part-time employment (minimum 16 hour per week or £10,000 income per annum), unless you are retired and receiving a private or company pension, or you are in receipt of disability living allowance
- Are a permanent UK resident and have lived in the UK for at least 3 years
- Have a UK bank account capable of accepting Direct Debits
- Have a good credit history with no late payments, Debt Relief Orders, County Court Judgments or bankruptcies.
Available Finance options
We provide a variety of finance options, including interest-free and interest-bearing loans, designed to help you conveniently spread the cost of your purchase over a period of 12 to 48 months. The loan amount must be between £250 and £15,000, and you have the flexibility to choose a deposit of up to 50% of the value of the goods.
Understanding the numbers
Deko is committed to ensuring that you have a clear understanding of the costs, terms, and key features of the available finance options. This information will be displayed as you shop and during the checkout process.
You can use our finance calculator at checkout to see how different loan values, terms, and interest rates will impact the total amount you need to repay and the monthly installments. It’s important to note that the finance calculator is for illustrative purposes only and does not constitute a formal quote or offer of finance. The actual offer you receive upon application will depend on your individual circumstances and the policies of the lender.
It’s important that you understand what all of this information means before you apply for finance. The numbers and details you encounter during the process can be overwhelming, which is why Deko has included a straightforward guide below to assist you.
Here’s an example of what you might encounter at the checkout, along with helpful explanations to help you understand the information. Please note that this is simply an example, as the format, layout, and content of checkout finance calculators may vary.
Use our finance calculator to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.

Regardless of the finance option you select, it’s crucial to ensure that you can comfortably afford the deposit and sustain the monthly repayments. It’s important to consider any potential changes to your financial situation that may arise during the loan term, such as retirement, relocating, changing employment, or health issues that could impact your income or expenses.
Alongside the finance calculator and on some of our promotional banners, you will also see the representative example. This could be written in a sentence, as shown in the example below, or in a table format:
Representative example
Cash price £12,000, Deposit £2,400. Total amount of credit £9,600.00 over 48 months with an annual interest rate of 9.9% (Fixed).
Monthly repayments will be £241.08 with a total repayable of £13,971.75. 9.9% APR representative.
The representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.
As we mentioned earlier, the representative example is not a quote or formal offer of finance – we display this to help you understand how much a loan will cost, and so you can compare it with other products.
Whilst these numbers are there to help you understand what a loan will cost you, it’s important that you understand any other potential costs in the terms and conditions of the finance option you select. For instance, you may be charged missed or late payment fees if you don’t keep up with your payments.
Luxury Watch Finance FAQ
Finance Decision
Will I be accepted for finance?
Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome in just a few seconds. Your lender will perform a ‘soft’ credit search on your credit file as part of their assessment, to determine whether the loan is affordable for you and if you are likely to make your repayments on time. It’s important to know that if your application is accepted, a ‘hard’ credit check may be made on your credit file. Only you can see that a ‘soft’ search has been made on your credit file, but a ‘hard’ credit check will be visible to others viewing your credit file, for example, if you apply for credit in the future, the lender will see that an application credit search was made on your credit file. If you don’t meet the first lender’s criteria, then Deko will pass your application to another lender from their panel who may be able to lend to you. Once approved, Deko will let you know who the lender is and how to contact them. You will then need to e-sign your credit agreement, pay your deposit (if applicable) and wait for your order to arrive. In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours.
What do I do if I have been declined?
If your application was declined, your lender may be unable to give you specific reasons why. Lenders use information from your credit report, alongside your income and expenditure data to make a lending decision. If you feel that there has been a mistake, please contact your lender – their contact details will appear on the email informing you that your application was declined. You can also contact the Credit Reference Agencies if you think there is a mistake on your credit report: Experian Equifax TransUnion
Your Loan Agreement
Before signing your credit agreement, you will be given some important documents that include key information about your loan. It is important that you read these documents and understand the information and key terms. If you have any questions about the information in your credit agreement before you sign it, Deko’s customer support team can help – you can contact them on [email protected] or by phone on 0800 294 5891. They are open Monday to Friday from 8am to 8pm.
Who should I contact if I have a question about my loan?
For any questions about your loan, such as your Direct Debit or updating your personal details, please contact your lender. Their contact details will be provided throughout your application and on any communications you receive about your finance application.
I'm having problems paying my deposit online
Please contact Deko customer support at [email protected] or 0800 294 5891. They are open Monday to Friday from 8am to 8pm.
When will I receive a copy of my loan agreement?
You will be presented with an unsigned copy of your credit agreement for you to sign once your lender has made their decision. Once you have signed your credit agreement, your lender will also sign it and a copy will be available for you to download. These will also be emailed securely to your given email address. If you need a copy of your agreement at any point after this, you can request this from your lender. The terms of your loan agreement will set out your right to withdraw. You may be able to withdraw from your loan agreement within 14 days. However, if you do so, you will still be responsible to pay for your goods by another payment method.
Payments and Order
How do I make my monthly payments?
Your lender will help you set up convenient, pre-authorised payments via your bank account or your credit/debit card.
Can I request delivery to an address other than my home address?
In order to safeguard against fraudulent applications, we are only able to deliver goods to your home address.
I want to amend my order.
If you have been approved for finance, the amount or term cannot be amended. You will need to contact us (your retailer) to amend the goods or services you ordered and you may need to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved.
I haven't received my goods or service.
Please contact us at <a href=”mailto:[email protected]”>[email protected]</a> and we will help you.
I want to change my Direct Debit details.
Changing your payment date can only be done once the first payment has been taken. Please contact your lender to talk to them about updating your Direct Debit details.
Are there any fees or charges to pay?
There is no fee for processing your application, and Deko does not charge you for its credit broking services. Fees will be payable to your lender if you fail to maintain your repayments. Fees and charges may include late payment fees and administration/letter fees if you are issued an arrears or default notice. Full details of all fees and charges will be set out in the terms of your credit agreement.
Cancellations and Returns
I want to return my goods and cancel my finance agreement.
Please see our Terms and Conditions . Some products cannot be cancelled, for example, made-to-order or bespoke goods, so you should check this before you complete your purchase. Where you do have the right to cancel, you must do this within 14 days of entering into the finance agreement. To cancel your finance agreement, please contact us (your retailer) and arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise your lender to cancel your finance agreement and refund any payments that have been made. If you made your purchase in-store, we will refund any deposit payment that you made. Your finance agreement can only be cancelled by your lender if your purchase is cancelled with us.
What happens to my loan if I want to return my order?
If you are not satisfied with your purchase you can return it up to 14 days after delivery. In this case, we will notify your lender to reduce your loan amount accordingly. You will receive confirmation from your lender within 3-5 business days after we received your return in cases where a full refund is processed.
Can I withdraw from the credit agreement and pay by a different method?
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which agreement is made or, if later, the date on which the lender will tell you that they have signed the agreement). If you wish to withdraw you must give your lender notice in writing or by telephone or email. The name and contact details of your lender will be clearly shown on your credit agreement. Please note that if you do give notice of withdrawal, you must repay the whole of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. You will also have to pay interest accrued from the date the agreement was made until the date you repay it.
Your Personal or Financial Circumstances
It’s a fact of life that things can change for any of us. If something changes in your personal, or financial circumstances, Deko and your lender will do all they can to help make it as easy as possible to submit your application and manage your loan repayments.
If you’re struggling at any point with your application online, or you don’t understand anything, please contact Deko’s customer support team at [email protected] or 0800 294 5891.They are open Monday to Friday from 8am to 8pm
If you find yourself struggling due to a change in your circumstances, please contact your lender and ask for their help.
Use of Your Personal Data
In order to process your application, you will be asked to provide information about your personal, employment and financial situation. Deko share your personal data with their partner lenders so that they can make a decision about whether to offer you finance. Lenders perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to enable them to make their decision. You can find out more about how Deko uses and protects your personal data in their Privacy Policy Your lender will let you know where you can find more information about their privacy policy.
Still have questions?
If you still have questions about your finance application or need some help completing it, check out Deko’s FAQs here. For any questions related to finance, please contact your lender. Their contact details will be provided throughout your application and on any communications, you receive about your finance application.
Best Quality Watches Ltd, t/a BQ Watches is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority (FRN 813555). We do not charge you for credit broking services. Finance is introduced through the Deko platform from a carefully selected panel of lenders. Deko is a trading name of Pay4Later Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 728646). Deko is a credit broker, not a lender and does not charge you for credit broking services. Whichever lender Deko introduces you to, Deko will typically receive a commission from them (either a fixed fee or a percentage of the amount you borrow). For your reassurance, all of the lenders Deko works with could pay commission at different rates, but the commission received does not influence the interest rate you will pay. You will be offered the best rate available from Deko’s partner lenders, based on the lenders’ decision policies.
0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority.
Deko’s registered office address is: Pay4Later Ltd (t/a Deko), 100 Liverpool Street, London, EC2M 2AT
Loans for a Wide Selection of Premium Brands
BQ Watches carries an impressive selection of incredible luxury watch brands. When you shop with us, you can enjoy exceptional loan rates and terms on premium timepieces from the world’s most respected watchmakers. If you are looking for a specific watch model, please don’t hesitate to let us know. We would be happy to source one for you.
Finance a Used Rolex With DEKO at BQ Watches
With Deko, we make it easy to finance the purchase of a Rolex watch. And with a comprehensive selection of all Rolex models, you’re certain to find something perfect. You can set up financing online or in person at our store in London. Feel free to contact our staff with any questions you might have about financing and which payment terms are best for you. We’re happy to help.
Browse New Arrivals
Below, you can browse recent additions to our luxury watch inventory. If you have any questions, make sure to reach out to our team and inquire about the timepieces we have on offer. Also, feel free to come browse our inventory in person at our London showroom.
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CARTIER TANK FRANCAISE
- YEAR
- BOXYes
- PAPERSNo
-
ROLEX DATEJUST
- YEAR1988
- BOXYes
- PAPERSNo
-
CARTIER PASHA
- YEAR2003
- BOXYes
- PAPERSYes
-
ROLEX DAYTONA EYE OF THE TIGER
- YEAR2020
- BOXYes
- PAPERSYes
-
ROLEX GMT-MASTER II
- YEAR2001
- BOXYes
- PAPERSYes
-
OMEGA SEAMASTER
- YEAR2020
- BOXYes
- PAPERSYes
-
ROLEX SEA DWELLER
- YEAR1977
- BOXYes
- PAPERSNo
-
OMEGA SEAMASTER PLANET OCEAN CHRONOGRAPH
- YEAR2021
- BOXYes
- PAPERSYes
-
CARTIER SANTOS GALBEE
- YEAR2000
- BOXYes
- PAPERSYes
-
TAG HEUER MONACO
- YEAR2017
- BOXYes
- PAPERSYes
-
BREITLING SUPEROCEAN
- YEAR2020
- BOXYes
- PAPERSYes
-
ROLEX AIR-KING
- YEAR1997
- BOXYes
- PAPERSNo