When I bought my first car, I preordered it (because the color wasn’t available) and then did all the paperwork in a couple hours when it arrived and then drove it off the lot. Maybe it’s different with lots of loans and checking, but assuming you have liquidity and proper certification in this scenario (I.e. Cashiers check), it might not be as difficult. I don’t think you even have to spend it all on one transaction so you could easily break it into smaller ones, like plane tickets and travel arrangements are expensive for a few people. You could splurge and make it nice. They said you had to spend the money but it didn’t mean you had to have the reward immediately