Luxury timepieces are an investment. They’re built from high-end materials, from industry-leaders, and whilst appealing, they often come with a significant cost. Yet, in today’s world, this isn’t the only option.
As jewellers specialising in luxury watches, we’ve helped customers over the years achieve their dream of owning a timepiece through 0% financing. I’ve created this guide to break down just how accessible some of the watches on your wish list can be through monthly payment plans.
Under £30 per month: Entry into Quality
If you’re a first-time buyer or are gift shopping for a loved one, the under £30 per month mark is a great place to start.
One of the best brands to start with, in my opinion. Hamilton watches are Swiss made at a lower price point than some other brands, with a broad selection of pieces.
Hamilton Jazzmaster Open Heart Auto 40mm Watch – From £8.25 per month on finance
The smartwatch with a premium feel. I love that Garmin watches take your watch-wearing to a new level with health and fitness capabilities.
Garmin Fenix 8 Pro 47mm Smartwatch – From £8.58 per month on finance
Under £50 per month: The Premium Everyday Tier
With longer payment plan schedules, it’s possible to acquire some iconic watches under £50 per month.
For anyone with an interest in motorsport, the Formula 1 is the natural place to start. Striking variations such as limited-edition Solargraphs are available through financing, as well as more classic models.
TAG Heuer Formula 1 Solargraph Quartz 38mm – From £18 per month on finance.
Longines Conquest
With heritage and a sophisticated design, I think the Longines Conquest has a range of options to suit distinctive styles. Whether you prefer the dainty 30mm look or the robust chronograph variants, we offer Longines Conquest watches on finance.
Longines HydroConquest 41mm Automatic Watch – From £15 per month on finance.
Under £100 per month: Stepping into Luxury
If you’re ready to take your collection to the next level, the under £100 per month bracket opens the door to recognised Swiss maisons and beautifully engineered timepieces.
TAG Heuer Aquaracer
An integral part of TAG Heuer’s sports line, the Aquaracer is durable yet refined, which I think makes it perfect for both daily wear and weekend adventures. With water resistance, a unidirectional bezel and sharp detailing, TAG Heuer Aquaracer watches on finance are an excellent entry point into Swiss luxury.
TAG Heuer Aquaracer Professional 300 Date Automatic 36mm – From £38 per month on finance.
Buying your first Cartier doesn’t have to be out of reach. The Cartier Tank Must combines the unmistakable geometry of the classic Tank with modern reliability. It’s a symbol of timeless style and a perfect doorway into luxury watchmaking.
Tank Must de Cartier SolarBeat Small Watch – From £27 per month on finance.
Under £200 per month: Elevated Craftsmanship & Prestige
If you’re a seasoned collector or have your eyes on a particularly revered watch, the under £200 mark is where true prestige begins, with pieces that showcase generations of craftsmanship and heritage.
Effortlessly elegant, the IWC Portofino reflects the laid-back sophistication of the Italian Riviera. Known for its slim profile, classic dial and luxurious finishing, it’s a favourite among watch collectors across the world.
IWC Portofino Chronograph 42mm Watch – From £48 per month on finance.
Designed for performance, the Superocean blends technicality with a bold look. It’s got impressive water resistance, exceptional legibility and a reliable construction, which is great for adventure enthusiasts looking for a high-end watch.
Breitling Superocean Automatic 41 – From £38 per month on finance.
OMEGA Seamaster
A modern classic and one of the most recognised dive watches in the world. The Seamaster has extraordinary precision, ceramic bezels and OMEGA’s renowned Co-Axial Master Chronometer movement.
OMEGA Seamaster Diver 300M 42mm – From £51 per month on finance.
Ready to enter the world of luxury horology?
Whether you’re taking your first step into owning a luxury watch or expanding an existing collection, monthly finance opens the door to remarkable craftsmanship at a pace that works for you.
At Banks Lyon, we help our customers discover the right timepiece through flexible 0% finance, making iconic brands more accessible than ever.
Visit us in-store or explore our full collection online with personalised guidance from our experts.