loan against watches
Loans Against Watches

If you have a luxury watch, such as a Rolex, Patek Philippe or Breitling, you can use it as security to obtain a short term loan, quickly and discreetly. Once you’ve paid off the loan and interest (which is charged strictly in line with National Credit Act guidelines), your watch will be returned to you, good as new.

Just contact us by phone, give us as much information about the watch as possible and we’ll make an initial offer there and then.

Among the factors that affect the value of a luxury watch (and therefore of the loan we can offer) are its brand and model, how rare the watch is, its age, its condition and whether or not you still have items like the original box and papers for the watch.

If you decide to proceed, we can meet at our premises, inspect the watch and conclude the agreement. Then we’ll transfer the funds to you immediately, while you’re still in the office.

Documents you’ll need:

  • proof of ownership of the watch (preferably an invoice)
  • your ID
  • proof of address

There’s no complex paperwork, no credit committee and no need for proof of income – the process is fast, straightforward and extremely discreet.

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APR & Loan period

Fixed rates range from 36% to 60% APR and payment options range from minimum 3 to maximum 24 months.


All payments are made via EFT or direct deposits into Lamna’s bank account. There are no debit orders.  


Loans are not renewed automatically. Loans are renewed by agreement on the same terms as the original loan.


Non-payment will result in the ownership of the borrower’s pledged asset being transferred to the lender with no further impact on the borrower (including fees and credit bureaux).

Illustrative example

Client borrows P10,000 for 90 days.

Loan Amount Repayment Terms Monthly Repayment Total Repayment Initiation Fee Monthly Fee (Interest + Service charge) APR
P10,000 3 months P560 P12,370 P1,000 P560 60%