<prompt> Human: Ok so I am trying to determine my best option for buying an engagement ring for my girlfriend and I thought I could try tapping into the infinite wisdom that I have seen in this subreddit after lurking for some time. So here is the situation... The timeline agreed upon for engagement between me and my girlfriend is quickly approaching and like most men, I do not want to disappoint her. The ring has been picked out already and I know about how much the total cost will be but not exactly so lets just say its 7,500. I do have some savings but definitively not enough to cover the total cost of the ring. The jeweler that I will be purchasing the ring through does not offer any financing options but they do offer 9 months same as cash.I am currently almost debt free with about 1,000 in credit card debt and 27,000 in available credit but none of which are in any kind of introductory interest period so my lowest interest rate on my credit cards is 14. I also have an auto loan in the amount of 7,500 that carries a very low monthly payment. The car securing the auto loan is roughly worth 30,000 so I have plenty of equity here. I have a good credit score but I am trying my hardest to avoid putting any of this purchase on a credit card.Would a cash out refinance on my auto make sense to cash out some of the equity that I have tied up? If so, where would likely entertain the idea of this type of refinance? Would applying for a new credit card with an introductory 0 interest rate be a better option?I have tried skinning this from every angle that I know and am just drawing a blank of sources of financing for this purchase. I would love to hear any input you could provide or any other options that you see fit. Thanks!  <response>: You cant afford the ring, plain and simple. 