Private luxury watch lending
Loans against luxury watches
Access loans from $50,000 to $5 million secured against eligible luxury watches, without selling the watch you want to keep.
ALYRA lends against Rolex, Patek Philippe, Audemars Piguet, Richard Mille, Cartier and other collectible watches, through specialist assessment and secure custody.
Licensed pawnbroker · Specialist response usually within one business day
Keep your watch
A loan, not a sale.
A watch can hold significant value while remaining a piece you want to keep.
ALYRA lends against luxury watches so you can access funds without parting with yours. Your watch is assessed privately, held securely for the agreed term, and returned once the loan is repaid.
No auction. No public listing. No obligation.
What we lend against
Watches we lend against.
ALYRA lends against collectible watches with clear ownership and proven resale demand, including the houses below.
Sought-after references typically support the strongest terms. If your watch is not listed, you are still welcome to enquire.
Loan range
How much you can borrow.
Loans range from $50,000 to $5 million. The amount available depends on the watch and its suitability as loan security.
A specialist will review the model, condition, documents, authenticity, ownership records and current market demand before any offer is made.
Specialist assessment
What we assess.
Every watch is reviewed individually.
- Model & reference
- Overall condition
- Originality
- Box & papers
- Service history
- Rarity
- Current demand
- Ownership records
- Authenticity
How it works
From confidential enquiry to watch return.
A simple, private process from first enquiry to the return of your watch.
- 01
Share your watch details
Submit photos, key details and any documents you have. ALYRA reviews your enquiry privately and confirms whether the watch is suitable for assessment.
- 02
Receive a specialist assessment
A specialist reviews the watch's condition, documents, value, authenticity and market demand.
- 03
Review your loan offer
If approved, you receive a written offer setting out the loan amount, fees, interest, repayment terms and redemption rights before you proceed.
- 04
Repay and retrieve your watch
Your watch is held securely during the loan term and returned once the loan is repaid under the agreed terms.
Security & custody
Securely held until repayment.
When a loan proceeds, your watch is documented on arrival, photographed and held in secure custody for the agreed term. Insurance may apply while it is held, subject to policy terms, asset approval, valuation limits and custody conditions.
You remain the owner throughout. ALYRA holds the watch only as security for the loan.
Custody process
- 1Documented on arrivalThe watch is received, identified and reviewed against available documents.
- 2Photographed & cataloguedIts condition and details are photographed and recorded before custody.
- 3Held in secure custodyThe watch is held securely for the agreed loan term, subject to custody and insurance terms.
- 4Returned after repaymentOnce the loan is repaid under the agreed terms, the watch is returned to you.
Discretion
Handled in confidence.
Your enquiry is private from the first contact.
Your watch is never listed, marketed or sent to auction. You deal confidentially through assessment, custody and completion.
Your options
Borrow or sell privately.
Borrowing may suit clients who want access to funds while keeping ownership of their watch during the loan term.
If you are ready to sell permanently, ALYRA may also provide a private purchase offer where available. Any decision to sell is considered separately from borrowing.
Your specialist
Speak with a specialist.
Eden John leads ALYRA's valuation process, with experience across high-value watches, jewellery, diamonds, and collectible assets for private clients.
From first enquiry to completion, you deal directly and confidentially.
Speak With a Specialist →Questions
Common questions.
Everything else is explained privately before you proceed. Speak with a specialist about your watch in confidence.
Request a Confidential Valuation →Can I borrow against a Rolex?
Yes. ALYRA considers selected Rolex watches for lending, subject to model, condition, authenticity, documents, ownership records, market demand, valuation and approval.
Do I need the box and papers?
They help establish authenticity and value, and can support stronger terms. They are not always essential. Tell us what you have.
What if I have lost the papers?
It is still worth enquiring. A specialist can assess the watch on its own merits.
How do you confirm a watch is genuine?
Each watch is authenticated by a specialist as part of the assessment.
Do I keep ownership of my watch?
Yes. You remain the owner. ALYRA holds the watch only as security until the loan is repaid.
Can I repay early?
Yes. Early repayment terms are set out in your offer before you proceed.
Which brands do you accept?
ALYRA considers a range of collectible watch brands. If yours is not listed, you are welcome to ask.
What happens if I do not repay?
Your watch is at risk if repayment obligations are not met. The consequences of non-repayment are set out in your written loan terms before you proceed.
Confidential enquiry
Request a confidential valuation.
Submit your watch details for private review. An ALYRA specialist will assess the information and contact you confidentially, typically within one business day.
Your details are reviewed confidentially and are not used to publicly list, market or sell your watch.
Request received.
Thank you. Your enquiry has been received. A specialist will review the information and contact you privately, typically within one business day.