Buy Apple Watch by paying monthly

There are lots of options for monthly payments.

Apple sells both the GPS-only and the Cellular models for monthly payments to qualifying buyers.

Cellular service providers usually sell the Cellular model for monthly payments tacked onto your monthly cellular bill.

Or buy it with a credit card and make monthly payments to pay it off.

M1 Mac mini, macOS 13; Watch, series 7 GPS/cellular, watchOS 9.1; iPad Pro 2nd Gen, iPadOS 16.1; iPhone 12 Pro, iOS 16.1; TV 4th Gen, tvOS 16.1; HomePods, audioOS 16.1 and Airport Express w/ Airplay 2

For most, it's 24 months.

The payment depends on the SE watch model and the seller.

You will need to explore that on your own.