Jesus christ , even with it being a refurb this is a must buy at this price . Bought mine used for 430 a few months back and haven ' t regretted it for a second . Color is a bit off initially but nothing a good ICC profile can ' t fix . <| sep |> Like another user mentioned , get what you like . I ' d personally get the Tissot I own another watch from them and I love it . I plan on handing that one down to my brother and getting the Visodate very soon . Such a beautiful watch and would look amazing with a Milanese bracelet . <| sep |> I am serious , and stop calling me Shirley . <| sep |> OK so the $ 5 k loan has 30 % interest and the lowest you can repay is $ 250 over 79 months total repayment in this case is $ 19 , 985 ! Yikes . The $ 10 k loan has 20 % interest and defaults at monthly repayments of $ 1500 over 7 months . The lowest you can go here is $ 1000 a month over 13 months for a total repayment of $ 13 , 326 . That ' s just scary lol