The watch market is a living organism, constantly shifting based on supply, hype, and macroeconomic factors. As we close out 2025, New York Loan Company has analyzed the transaction data to provide a clear picture of where the market stands.
The “Crown” Stabilizes
Rolex has found a healthy equilibrium. The wild volatility of previous years has settled. Prices for the Submariner, GMT-Master II, and Daytona are stable. This is good news for borrowers; stability equals predictability. We can offer high confidence loans on modern Rolex sports models because the downside risk has minimized.
The Rise of the Independents
The most exciting movement in Q4 2025 is in the independent sector.
- F.P. Journe: Values continue to climb, particularly for early brass movement pieces.
- Richard Mille: The market for RM has matured. While the wildest premiums have softened, core models (RM 11, RM 35) remain incredibly liquid and valuable.
- Audemars Piguet: The Royal Oak is steady, but the Offshore line is seeing a resurgence in popularity among younger collectors.
Buying vs. Borrowing
In a market like this, selling can be a difficult decision. If you sell a Rolex now, you might miss a future upturn. If you sell an F.P. Journe, you may never be able to buy it back at the same price.
This is why a collateral loan is the superior tool for the collector. It allows you to access the cash value of your watch without severing your ownership. You retain the upside potential of the asset. If the market jumps 10% in 2026, you still own the watch and benefit from that gain, all while having used the capital for other needs.
Visit us in the Diamond District for a confidential quote on your timepiece.
