Luxury-watch focused
A lending experience designed around Rolex and other high-end watches.
Private watch-backed lending · Melbourne
Unlock the value in your watch—without selling it.
Watch Equity offers discreet pawn loans secured by Rolex and other fine watches, with individual assessment and the potential for same-day funding once every requirement is met.
Registered in Victoria. Watch Equity operates as a registered second-hand dealer and endorsed pawnbroker. Check the Consumer Affairs Victoria public register.
Designed around valuable timepieces01
ValuationIndividual
AppointmentPrivate
FundingPotentially same day
Clear from the start
Review the valuation, dollar charges, timing and repayment terms before deciding.
Flexible ways to begin
Request an online estimate, call, or arrange a private in-person visit.
A considered process
From timepiece to indicative estimate.
Five clear steps, with the decision always yours.
- 01
Tell us about your watch
Share the brand, model, reference, condition and whether you have the box and papers.
- 02
Receive an indicative estimate
We assess the information provided and outline a preliminary range. It is not an offer or approval.
- 03
Book a private valuation
Your watch is physically inspected, authenticated and valued before any final amount is discussed.
- 04
Review the written terms
Consider the loan amount, dollar charges, term, repayment requirements and your rights before deciding.
- 05
Complete the transaction
If you accept and every requirement is met, the pawn contract is completed and funds may be arranged that day.
The final loan period and charges are fixed at the transaction and recorded on the pawn ticket and written notices supplied to you.
A loan, not a sale
Your watch has value. Put it to work.
Keep the option of ownership while accessing funds secured against your timepiece.
Every watch is considered individually. It must be physically inspected and, if you proceed, left in Watch Equity’s custody as pledged security for the loan.
Understand the loan period and your rightsIndicative assessment02
What shapes an estimate
- 01 Brand, model and reference
- 02 Authenticity and provenance
- 03 Condition and service history
- 04 Box, papers and accessories
- 05 Current marketability
Online information supports an indicative estimate only. It is not a professional valuation, loan offer or approval.
Designed for a timely decision
Same-day funding may be possible.
Eligible approved transactions may receive funds on the same business day after physical inspection and authentication, identity verification, agreement on charges and completion of the pawn contract.
Business-hour cut-offs and bank processing times apply. Same-day funding is not guaranteed.
Built for discretion
A measured experience for significant timepieces.
One-to-one appointments
Private consultations focused on the watch, the proposed terms and the questions that matter to you.
Terms before decisions
The final amount, dollar charges, loan period, repayment requirements and key rights are documented before you choose.
Custody explained
Storage, security and any applicable insurance arrangements are explained before a watch is accepted as pledged security.
Loan period and customer rights
Clear timing. Written terms.
Watch Equity’s standard product uses a 61-day loan period. Your exact period and maximum dollar charges are agreed and recorded in writing when the watch is pawned.
Read the official Consumer Affairs Victoria guidance and the prescribed customer rights notice.
Standard Watch Equity loan period
This is our standard product term. It is not described as a statutory minimum.
Victorian holding period
The watch must be held unchanged and cannot be redeemed during the first seven days.
Your right to redeem
After the holding period, redemption remains available until the watch is actually sold, even if the loan period has ended.
Claiming residual equity
If the watch is sold for more than the amount owing and permitted sale costs, residual equity may be claimed for 12 months.
Questions, answered
Know the essentials before you decide.
01Which watches may be considered?+
Watch Equity focuses on Rolex and other high-end watches. Eligibility depends on the brand, model, authenticity, condition, completeness and current market demand.
02Is an online estimate final?+
No. An online estimate is indicative only and based on the information supplied. A final amount can only be considered after physical authentication, inspection, valuation and identity verification.
03Do I have to sell my watch?+
No. This is a pawn loan, not an outright purchase. You leave the watch as pledged security during the loan. The written agreement explains the loan period, dollar charges and redemption rights.
04What is the standard loan period?+
Watch Equity’s standard loan period is 61 days. The exact period is fixed when the watch is pawned and shown on the pawn ticket. The 61-day term is Watch Equity’s product term—not a minimum period imposed by Victorian law.
05When can I redeem my watch?+
Victorian law requires a seven-day holding period after the watch is received. After that period, you may redeem it at any time before it is actually sold, including after the agreed loan period has expired, by paying the amount due and providing the required pawn ticket and identification.
06What happens when the loan period ends?+
If the loan is not extended or repaid, the watch may be offered for sale as soon as practicable after the agreed period ends. The pawnbroker must seek the best price reasonably obtainable. You may still redeem the watch before it is actually sold. Any residual equity after the sale remains claimable for 12 months.
07What identification is required?+
Valid evidence of identity is required before a pawn transaction can proceed. A watch cannot be accepted from a person under 16. The exact identification requirements will be confirmed before your appointment.
08Is same-day funding guaranteed?+
No. It may be available for eligible approved transactions completed during business hours, after inspection, authentication, identity verification, acceptance of terms and completion of all required documents. Bank processing times may also apply.