Rolex Submariner Finance UK: How to Own Your Dream Watch Easily

Want a Rolex Submariner but worried about the price? Learn how Rolex Submariner finance works in the UK. Pay monthly and own your dream luxury watch easily.

Jul 10, 2025 - 11:42 Updated: Jul 14, 2025 - 06:15

Rolex Submariner Finance UK: How to Own Your Dream Watch Easily

Imagine walking into a meeting or dinner party wearing a Rolex Submariner on your wrist. People notice it straight away because it shows style, hard work, and success. Many people in the UK dream of owning this watch, but when they see the price tag ranging from £7,500 to over £10,000, it feels too much to pay in one go. The Rolex Submariner is not just any watch – it is strong, waterproof, and has a classic design loved by watch fans everywhere. John, a teacher from London, always wanted one but felt it was out of reach. Then he found out he could buy it on finance by paying a small part every month instead of paying everything upfront. This made it possible for him to own his dream watch while still managing his bills and savings. Like John, many people in the UK are choosing finance options from watch stores and online dealers to make their dreams real without stress. In this article, we are going to explain how Rolex Submariner finance works in the UK, share examples of monthly payments, where to find good finance deals, what to check before applying, the pros and cons, FAQs, and everything you need to decide with confidence.

What is Rolex Submariner Finance?

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Rolex Submariner finance is a way to buy this luxury watch without paying all the money upfront. You pay some money first, called a deposit, and then pay the remaining amount in small monthly parts. For example, if a Rolex Submariner costs £9,000, you can pay a 20% deposit (£1,800) first, and then pay the rest every month for 12, 24, 36, or 48 months depending on the plan. Many authorised Rolex dealers and online watch stores in the UK provide this finance through companies like V12 Retail Finance or Klarna if they are partnered. You will need to pass a credit check to get approval, which means they check your credit history to make sure you can pay the money back. The good thing is you can start wearing your Rolex Submariner straight away after the finance is approved and deposit is paid. This makes it easy for people who want their dream watch now but prefer to pay slowly without using all their savings.

How Much is a Rolex Submariner in the UK?

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In 2025, the price of a new Rolex Submariner in the UK starts from around £7,500 for the simple stainless steel model and goes up to £12,500 or even more for models with gold or special features. The price depends on the exact model, dealer location, and availability. Here are some popular models and their prices:

Rolex Submariner No Date – around £7,500. This is the classic model without a date window. Many people like its clean and simple design, and it is often the starting choice for first-time Rolex buyers.
Rolex Submariner Date Black Dial – around £9,000. This model has the date feature, and its black dial with matching black bezel gives it a strong and timeless look.
Rolex Submariner Date Green Dial (Hulk) – around £10,500. Also called the “Hulk” because of its green dial and bezel, this model is loved by collectors and often has a longer waiting time at authorised dealers.
Rolex Submariner Two-Tone Steel and Gold – around £12,000+. This model combines stainless steel with yellow gold on its bracelet and bezel, giving it a rich and elegant appearance.

These are average prices from authorised Rolex dealers in the UK, but they can change due to demand or updates from Rolex. Pre-owned Rolex Submariner prices can be higher or lower based on their age, condition, original box and papers, and if they have been recently serviced. Some limited-edition models or discontinued colours, like the old “Kermit” green bezel model, can cost even more in the pre-owned market because collectors value them highly. Also, Rolex Submariners often have waiting lists of many months or even years in the UK, as demand is always higher than supply. This long wait makes people feel even prouder when they finally get their Submariner because they know they own something rare, valuable, and special.

How Does Rolex Submariner Finance Work in the UK?

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Rolex Submariner finance works in a simple way. First, you choose the watch you want from an authorised dealer or trusted online store. Then you apply for finance through their website or in-store. You will need to give personal details, address, income proof, and sometimes bank statements. After this, the finance company checks your credit history to see if you can pay the monthly amounts. If approved, you pay a deposit, which is usually 10% to 50% of the watch price. The remaining amount is split into fixed monthly payments for a set term, like 12 months, 24 months, 36 months, or 48 months. Your monthly payment depends on the watch price, deposit amount, and interest rate (APR). Some stores offer 0% APR for short terms like 6 or 12 months, but longer terms usually have interest rates between 9.9% to 19.9% APR. After your finance is active, you can collect your Rolex Submariner and enjoy it while paying small parts every month.

Where Can You Get Rolex Submariner Finance in the UK?

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There are many trusted places in the UK where you can get finance for a Rolex Submariner. One popular choice is Watches of Switzerland, which offers flexible finance plans through V12 Retail Finance. Another well-known dealer is Goldsmiths, which provides finance options up to 48 months with deposits starting from 10%. If you are looking for pre-owned Rolex watches with finance, Watchfinder & Co. is a good option because they specialise in certified pre-owned luxury watches and offer payment plans. Beaverbrooks also provides finance deals on selected Rolex models, making it easier to spread the cost over time. Prestige Watches UK is another independent dealer that offers flexible finance options to suit different budgets.

You can also check Luxe Watches’ interest-free finance options if you want to pay with no extra interest on certain terms. Luxe Watches is known for selling luxury watches, including Rolex Submariners, and their finance plans can help you manage your monthly payments without paying more than the watch price if you choose their 0% finance offers. This is a good option if you want to save money on interest while getting your dream watch today. They provide clear finance information on their website, and you can apply directly online or visit their store to discuss the best payment plan for your budget.

Before choosing any store or finance plan, it is important to check their customer reviews, warranty policies, and watch authenticity guarantees. This will keep you safe from scams or hidden charges and ensure you get a genuine Rolex Submariner with full confidence.

Explore More: Stark VARG Finance in the UK: 2025 Guide to Monthly Payments, Deals & How to Apply

Example of Rolex Submariner Monthly Payments

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Here is a simple table to help you understand how Rolex Submariner finance monthly payments work in the UK:

Example	Watch Model & Price	Deposit Amount & %	Finance Term	Interest Rate (APR)	Estimated Monthly Payment

1	Rolex Submariner No Date (£9,000)	£1,800 (20%)	36 months	9.9%	£225 – £250
2	Rolex Submariner Date Black Dial (£10,500)	£2,100 (20%)	24 months	0% (if available)	£350 – £400
3	Rolex Submariner Two-Tone Steel and Gold (£12,000)	£3,000 (25%)	48 months	14.9%	£190 – £230

Notes:

These examples show how deposits and terms change the monthly payment.
A higher deposit reduces your monthly payments.
0% interest is only available at some stores for short terms.
Longer terms may have lower payments but higher total costs because of interest.
Always check the final finance offer, as payments can change based on your credit check, deposit amount, and dealer offers.

Benefits of Rolex Submariner Finance

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Here are some simple benefits of using finance to buy a Rolex Submariner:

You do not use all your savings at once.
You can wear your dream watch immediately.
Monthly payments are small and easy to plan in your budget.
Some stores offer 0% finance, which saves money.
Helps build your credit history if payments are on time.
Easy to apply online or in-store with fast approval in most cases.

Many people in the UK prefer finance because they can enjoy their Rolex now while paying slowly without stress.

Things to Check Before Applying for Rolex Submariner Finance

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Here are important things to check before applying for Rolex Submariner finance:

Interest rate (APR) – Check how much extra you will pay in total.
Deposit amount – Make sure you can pay the deposit easily.
Monthly payment amount – Check if it fits your monthly budget.
Term length – Longer terms mean lower payments but more interest.
Early repayment fees – Some companies charge extra if you pay off early.
Credit check requirement – You need to pass their credit check.
Warranty and authenticity – Always buy from authorised dealers or trusted stores.

Checking these points will help you avoid hidden charges and choose the right finance plan.

Pros and Cons of Rolex Submariner Finance

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Here are some easy pros and cons to understand before choosing finance for your Rolex Submariner.

Pros

One good thing about using finance is that you can pay in small monthly parts instead of paying the full price at once. This makes it easier to manage your money and keep your savings for other needs. Another benefit is that you get to wear your Rolex Submariner straight away after your finance is approved and your deposit is paid. You do not have to wait for years to save up before buying it. Also, if you pay all your monthly payments on time, it can help build your credit score. This is good for your future if you want to take loans for other big things like a car or house. The process to apply for Rolex Submariner finance is simple, whether you do it online or in-store, and you usually get an answer quickly. Many people find finance a good option when buying something expensive like a Rolex watch because it makes the cost feel lighter and easier to handle.

Cons

However, there are some things you should think about before choosing finance. The total amount you pay for the watch can be higher because of the interest added to your monthly payments. If you miss any payments, it can harm your credit score, which might cause problems when you apply for other loans in the future. The deposit you pay at the start can also be high for some people, as it is often between 10% and 50% of the watch price. Some finance plans have early repayment fees, which means if you decide to pay off your loan early, you might have to pay extra charges. Thinking about these pros and cons carefully will help you decide if Rolex Submariner finance is the right choice for you.

FAQs about Rolex Submariner Finance

Q. Can I get 0% finance on a Rolex Submariner in the UK?
Yes, some stores offer 0% finance for short terms like 6 or 12 months, but it depends on the dealer’s offers and your credit approval.

Q. Do I need a good credit score to get Rolex Submariner finance?
Yes, most finance companies check your credit history before approving your application to make sure you can pay the monthly payments.

Q. Can I pay off my Rolex finance early?
Yes, you can pay it off early if you want to clear your loan before the end of the term, but some companies may charge an early repayment fee, so always check the terms first.

Q. Is it safe to buy a Rolex Submariner on finance online?
Yes, it is safe if you buy from an authorised Rolex dealer or a trusted online store with good customer reviews and a clear warranty policy.

Q. What is the minimum deposit for Rolex Submariner finance?
It depends on the store and finance company, but usually, the minimum deposit is between 10% to 30% of the watch price.

Q. How long can I finance a Rolex Submariner for?
Most finance terms are between 12 months and 48 months. Some stores may offer shorter or longer terms depending on the finance provider.

Q. Will financing a Rolex Submariner affect my credit score?
Yes, if you make payments on time, it can improve your credit score. However, missed payments can harm your credit history.

Q. Can I get finance for a pre-owned Rolex Submariner?
Yes, many stores that sell pre-owned Rolex watches also offer finance options, but the terms and interest rates might be different from new models.

Q. Do I need to pay insurance on my Rolex Submariner if I buy it on finance?
It is not a must by the finance company, but it is strongly advised to insure your Rolex watch to protect it from loss, theft, or damage.

Q. Why do Rolex Submariner watches have waiting lists in the UK?
Rolex Submariners are very popular, and their demand is higher than the supply. That is why many dealers have long waiting lists, and some people wait months or even years to get their watch.

Q. Can I use a personal loan instead of watch finance to buy a Rolex Submariner?
Yes, some people use personal loans if they get better interest rates. However, dedicated watch finance is often easier as it is arranged directly with the dealer, and some stores offer 0% deals for short terms.

Conclusion

For many people in the UK, owning a Rolex Submariner feels like a faraway dream. They see it on the wrists of successful business people, actors, and sports stars, and wish they could have one too. But the high price often makes them think it will never happen. The good news is that Rolex Submariner finance has changed this for many watch lovers. Imagine walking into your favourite watch store, choosing the exact Submariner you always wanted, paying a small deposit, and then wearing it proudly the same day while paying the rest in easy monthly parts. It feels good to know you do not have to spend all your savings at once to own something so special. Finance makes it simple and stress-free if you plan your payments well. Remember, it is always important to compare deals, check the interest rates, and buy only from trusted dealers to keep your money and watch safe. In the end, wearing a Rolex Submariner is not just about telling the time – it is about telling your story. In this article, we shared everything about Rolex Submariner finance in the UK, how it works, examples of monthly payments, places to get good deals, benefits, things to check before you apply, and FAQs so that you can make this dream a reality with full confidence.