Split your payments with

Rolex Finance Online
Available on all Luxury Watches

Up to 24 months 0% Finance Available . Flexible Rolex Finance from 12 to 48 months. Up to £30,000 credit. Minimum deposit 20%-40%. 

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 Humm that suit your preferences.

BQ Watches customers may be able to benefit from a revolving credit facility from Humm that is designed to allow you to spread the cost of your purchase over time. If you have any questions at all, please get in touch for personal service.

What is Humm?

Humm offers interest-free and flexible payment plans to help you split the cost of your purchase into smaller instalments. Depending on the merchant, you can spend anything up to £30,000 over a maximum of 72 months.

Why Humm?

Humm is a truly responsible lender with our customers at the heart of all we do. Encompassing all areas of life; from a new sofa to a new smile… we’re here for the big and boring as well as the small and sweet, making more of life more affordable.

How can I sign up to Humm?

You can apply to pay by Humm at checkout.

Decide on the amount you wish to borrow and have your ID ready. Humm offer up to £30,000 at BQ Watches.

Once you have been redirected to Humm, just follow the steps.

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 Humm to provide our customers with credit options that are clear, secure, and convenient. Finance a luxury watch with us, with our simple, easy-to-use process.

Finance FAQ

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.

How do I apply for Humm?

If you want to apply for finance with Humm, add the item to your cart and select Humm at checkout. After selecting your finance product and deposit you will be redirected to Humm’s website to complete the application.

  • Complete the application form, including your personal details, employment and financial information to determine whether you are eligibile.
  • Once your application is complete, it will be submitted for review. If your decision is apprivw have completed the application, submit it for review. You will then receive your decision, if you are approved,  you will be able to use your Humm credit straight away. For more information, click here.

Humm is authorised and regulated by the Financial Conduct Authority (FCA), and we are committed to responsible lending practices and will ensure that your application is processed with the highest level of security and confidentiality.

Please note that while we intend to provide an instant decision on your application, in some cases, more information may be required to fully assess if the loan is applicable for you. If this is the case, our team may reach out to you for more information. Please provide the information requested as soon as possible, so that the team can review your application and ensure that the loan is right for you.

Is there a minimum deposit?

Yes. There is a minimum deposit of 20% for terms of 12, 36 or 48 months, and a minimum deposit of 40% for 24 months 0% interest.

How can I make my purchase using Humm?

In order to make a purchase through humm, you must have a humm account and your approved amount to spend- which is agreed when completing the application process.

You will then choose the option to make payment with humm, either in-store or online, and will be informed of the requirements to arrange your Fixed Sum Loan and set up the repayments for the loan.

You might be required to complete the first payment at the time of purchase. The card used to make this payment will then be used for the recurring payments to service the Loan Agreement.

What is a credit check? How will it affect my finance options?

Humm perform a hard credit check for each new application that has been submitted for assessment.

This means your personal data will be shared with one or more Credit Reference Agencies (CRAs), who will perform the necessary checks. This will leave a mark on your records at the CRAs, which will be visible to other organisations should they perform checks, and it may impact on your credit score (full details are in our Privacy Policy available at https://shophumm.com/uk/privacy).

The information provided by the CRA will include your credit score as well as other credit and public information that is available from your credit file. This information will assist us to assess your creditworthiness and whether repayments on your proposed loan will be sustainable and affordable.

Why might a credit application be rejected?

Humm acts as a responsible lender and strives to treat all customers fairly. However, this means that sometimes credit applications may be declined.

Some reasons for your credit application being denied are as follows:

  • Your credit score is not strong enough
  • Negative information on your credit file, such as records of missed payments
  • A decision was made that you would not be able to afford to repay the credit you have applied for
  • Information on your file suggesting any fraudulent activity
  • Uncertainty about your identity or address
  • Humm’s legal or policy condition

Can I buy more than one thing with Humm?

You definitely can! You can make one or more purchases from one or more merchants, using the amount of credit you have been granted, which is valid for 28 days from the date of approval.

Can I pay off my Humm plan early?

You are able to pay off your plan early, without additional charges or fears. By logging into your humm portal, you can make a one-off payment, for the amount of your outstanding balance. 

Can I return the goods I purchase using humm? How would I do this?

To do this, you need to go through the retailer you have purchased your goods from. After the retailer cancels your purchase, it will process the cancellation of your loan agreement. When your agreement has been cancelled, any sums paid back to your bank card will be refunded.

What will happen if I miss a payment?

If you miss a payment on the due date, you will receive an SMS and email message which will inform you of the unsuccessful payment and offer you alternative ways to make the payment. If the payment is not made on the assigned due date, we will automatically retry the payment on the next day.

If the second payment attempt is unsuccessful, a £7 late payment fee will be added to your loan agreement- which will be payable alongside the contractual payment.

At that point, no further attempts to process the payment will be made. However, we will try to contact you through various methods of communication, including SMS, Email and maybe by post, to discuss your financial situation and missed payment. If we receive no response from our communication attempts, we will make two further attempts to process the payment, 5 and 10 days after the due date, from your bank card on file. 

How much can I borrow?

While the exact amount of credit granted will be decided by Humm on a case-by-case basis, the maximum credit that may be extended is £15,000 for loans up to 24 months, and £30,000 for loans 36-48 months.

Loans for a Wide Selection of Luxury Watch 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. With Humm, you are able to finance any of our luxury watches, including Rolex, Audemars Piguet, Patek Philippe, Cartier and more.

Finance a Pre-Owned Rolex Watch

There are many options to choose from if you want to finance 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.

  • ROLEX OYSTER PERPETUAL 126000

    ROLEX OYSTER PERPETUAL

    • YEAR2024
    • BOXYes
    • PAPERSYes
    £7,950
  • ROLEX SKY DWELLER 336934

    ROLEX SKY DWELLER

    • YEAR2024
    • BOXYes
    • PAPERSYes
    £23,450
  • ROLEX DATEJUST 126234

    ROLEX DATEJUST

    • YEAR2023
    • BOXYes
    • PAPERSYes
    £9,500
  • CARTIER SANTOS 1566

    CARTIER SANTOS

    • YEAR1997
    • BOXYes
    • PAPERSNo
    £3,500
  • BREITLING NAVITIMER AB0137

    BREITLING NAVITIMER

    • YEAR2022
    • BOXYes
    • PAPERSYes
    £6,000
  • ROLEX OYSTER PERPETUAL 124300

    ROLEX OYSTER PERPETUAL

    • YEAR2022
    • BOXYes
    • PAPERSYes
    £6,800
  • OMEGA SEAMASTER 168.1622

    OMEGA SEAMASTER

    • YEAR2000
    • BOXYes
    • PAPERSNo
    £2,500
  • ROLEX SKY-DWELLER 326934

    ROLEX SKY-DWELLER

    • YEAR2020
    • BOXYes
    • PAPERSYes
    £16,950
  • ROLEX GMT-MASTER II 126710BLRO

    ROLEX GMT-MASTER II

    • YEAR2020
    • BOXYes
    • PAPERSYes
    £17,250
  • BREITLING COLT A74380

    BREITLING COLT

    • YEAR
    • BOXYes
    • PAPERS
    £1,450
  • PATEK PHILIPPE PERPETUAL CALENDAR 5320G-001

    PATEK PHILIPPE PERPETUAL CALENDAR

    • YEAR2022
    • BOXYes
    • PAPERSYes
    £65,000
  • CARTIER ROADSTER 2618

    CARTIER ROADSTER

    • YEAR2006
    • BOXNo
    • PAPERSNo
    £3,950