If you are a Hong Kong resident aged 18 or above and own a luxury watch accepted for mortgage by AG Finance, you are eligible to apply for a watch mortgage loan.

Our VIP loan specialists assess the loan amount based on the value of the pledged watch, along with factors such as residency, employment, and financial status. A watch expert conducts a professional appraisal to determine the most suitable loan amount and repayment period for each customer.

No income proof is required for a watch loan application. Applicants only need to provide the watch and its accessories (e.g., certificates, watch boxes, and other relevant documents).

No TU credit check is required, and your credit score will not affect the loan approval process.

申請人只需在網上填妥申請表格，或者Whatsapp我們有關手錶的資料及欲貸款額，尊貴的手錶專家會馬上作出評估並告知申請人貸款詳情。

• Fill out the online application form or send us a WhatsApp message with details of your watch and the loan amount requested.
• Our expert appraisers will promptly assess the watch and provide loan details.
• If the applicant accepts the offer, they must visit the AG Finance office in person with the watch, certificate, and necessary documents.
• After a comprehensive watch inspection, the applicant can sign the loan agreement and wait for funds to be disbursed.

If the applicant provides complete watch details and documents, approval can be completed in as fast as 30 minutes. (Processing time depends on the watch type, condition, and applicant’s background.)

Customers can repay the loan through:

1. In-Person Cash Payment

2. Online Bank Transfer

 

Bank Account Details for Payment

 

Company Name: AG FINANCE LIMITED

Bank Name: China CITIC Bank International Limited

Bank Code : 018

Account number: 744-2-23676600

 

Please note that cut-off times for payment processing may vary between financial institutions. We recommend confirming the cut-off time with your bank to ensure AG Finance receives the payment before the due date to avoid any late fees or interest charges.