Watches also make good collateral because they are easy to store safely and easy to value twice. You can walk into two shops and get two opinions, then decide. Bring the card, the box and any service receipts. Where those are missing we say so instead of quietly discounting the offer.
Loans against watches run on the same 30-day Florida terms as everything else, with redemption or extension at the end. If you are weighing a loan against an outright sale, ask for both numbers in the same visit. It is the same evaluation either way.