I am exploring the option to take a personal loan to purchase a watch. I figure since it is a piece I will have forever, I have the majority of the cash for it and the watch value will usually always be near cost, it makes sense to finanance at the cheapest rate and keep my cash.
I have nevere taken an unsecured personal loan. What kind of rates might I see with a clean profile, short AAoA, low UTI and 50K CC Lines. FICOs 738/746/738
Any recommendations of where to rate shop?
There are a couple of sites you can check, Prosper and Lending tree will poll a ton of lenders with just a SP of your credit, you can then view all the options available.
With the scores you have I don't see any problem in you getting a very good rate from any lender.
If you have an Amex card they also offer personal loans so you could check that out too.