Even with the depreciation of value, the watch is easily worth 200 alone, but I figured both combined would easily cover the 0.025
You're much better off just pawning the aforementioned items. Physical collateral is often impossible to find an escrow for and with such a low amount of loan involved, it's simply unfeasible in my opinion for any lender to seriously consider your offer.
Going with your local pawnshop may honestly even yield you better rates. The interest rates charged on forum is high in comparison due to the added risk of international dealings.
If you do have other collateral, let me know. I'd be willing to meet your request as long as it has satisfactory levels of collateral.