What do you think about financing a watch?

I used affirm when buying from an online retailer I didn’t know much about.

was easy got 0% financing for 90 or 180 days.

I would do it again

I would say no my friend. 
if you need finance to buy a watch you may need finance to have it serviced! Make sure you take all factors into when owning a watch ! 
save up, in the long run it’ll be a much more satisfying capture !

Absolutely no to financing watches in my opinion.  

A watch is not an investment and has no real utility other than being, in the immortal words of @Max,"an expensive fidget toy for adults."  

Buying an expensive watch on credit and paying interest for essentially a hobby item feels like the height of fiscal irresponsibility to me.

Yep, I agree!

A house, a car or education might be necessities but a watch isn‘t.

I think it’s OK to finance a watch when you can buy it but just don’t want to but rather stretch the payment over several months. But in this case one could argue if a loan is really a good idea.

Watches are not a necessity, so no to any interest charges. 

That being said, if you can open a new no-fee CC and get a $200+%cash back bonus and you have the cash to pay it off, go for it. 

Did that twice this year and paid in full first statement while getting $500 cash back to my bank account. Those cards will stay in the safe and won't be used again. 

Our annual cash back on our credit cards is right at $2K for 2021. Free money, IF you have the credit score and the discipline to use them wisely. 

THIS all the way

I’ve done the 0% thing a few times. Glad it’s an option. I’ll Do it again eventually.

The only time that financing a watch makes sense to me is if you can legitimately get zero percent financing (and not just zero percent financing on a watch with an inflated sales price to effectively offset the interest savings), or if you are buying a watch that is 100% guaranteed to go up significantly in value.  

There is nothing wrong with using a CC to make the purchase, as long as you pay off the balance immediately when due, using funds that are not needed for any other purpose.

It's also important to know the difference between having enough funds to be able to make the purchase, and truly being able to afford a watch.

I've done it once in over 12 years in the hobby and it was a horrible, no good, terrible decision.

Not the watch, but as stated above, a watch is not a necessity so no to interest rates.

Tough one. Depends on how folks work their finances. I never have, but if I did I'd definitely avoid any interest. 

Houses and cars you finance. If you can't afford a watch don't buy it. 

I think financing a watch is a bad idea 95% of the time. It’s not something to go into debt or pay extra in interest over. For a lot of people, saving the money to buy a watch is part of the journey, and adds to the satisfaction when you do buy a watch. If you can pay off the balance within a few months and avoid interest, I’d say it’d be an option to consider, but preferably avoid.