Best way to finance watch at 0 or low %

[bmw tuning]

Hello all! New member here, been browsing for awhile. Let me start by saying I can pay cash for the watch now, just to stop the debate of if you can't afford to pay cash you can't afford it, as I am usually good to give that same advice.

However I've paid cash for almost everything my whole life. Now at 34 I need to start building my credit. I've been looking for ways to get my credit up as I plan to start house shopping in the next year.

I financed my BMW about 2 years ago, but the 17% loan killed me throwing all that money away so I just paid off the car, I only financed it to build some credit anyway. I started my own car dealership just under 2 years ago and I thought a nice present to myself for a successful couple years would be a nice watch that I have wanted for quite sometime. I'm very frugal with my money and always look for the best deal, there for I am primarily looking at pre-owned watches so that I don't take that initial hit of depreciation. I now alot of jewelers offer 0% financing but usually its on new products and they don't want to negotiate on price much..

So I come to the experienced people on this forum what is the best way to get a great deal on a nice watch and finance it at 0 or near 0%? Can I can pay cash for the watch I want and refinance it some how, so I get the cash price or some credit card out there that offers 0% for a certain amount of time like a year? Thanks for any help!