Congratulations on the upcoming anniversary! A watch sounds like a great gift, and the good news is that, if legal in your state, you can get a title loan without the car. You just need to find the right lender.
Requirements vary, but some lenders will approve car title loans without the car present. However, finding a lender to approve such a loan could be challenging because title loans use your car as collateral. To find the right lender, shop around and compare offers from a few willing lenders to find the most favorable terms before signing an agreement.
When applying for the title loan without your car, you’ll likely need the following:
The vehicle title and registration
Pictures and a description of the vehicle
Proof of income and employment
Alternatively, if you don’t want to worry about potentially losing your vehicle or having a high APR you could:
See if the watch seller offers a different payment plan or financing
Apply for a personal loan
Ask friends and family for a loan
Save money on other expenses
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