You can get cash quickly and conveniently at a nearby pawn shop without damaging your credit. While pawning isn’t for everyone, it can be a viable solution for those who need quick funds and don’t want to deal with credit checks and loans. However, pawning can be confusing. The rules and regulations vary from state to state, so it’s important to know your local laws and practices.

Jewelry and nearby pawn shop metals are big draws at pawn shops, and can fetch up to $1000. Other items that often sell include smart speakers, Air Pods, gaming laptops and consoles and used TVs. Collectibles like art pieces, old coins and musical instruments are also popular at pawn shops. Sports memorabilia is another popular category that can bring in a good amount of money, especially when it’s related to icons like Mickey Mantle, Michael Jordan and Muhammad Ali.

Before you head to the pawn shop, make sure your item is in good condition. Clean jewelry and appliances, bring chargers and manuals and present any proof of authenticity for valuable collectibles. This will increase the value of your item and help you negotiate a better price with a pawnbroker.

Most pawn shops offer 25 to 60 percent of an item’s resale value and typically lend out for about a few months. If you’re not able to repay your loan within the timeframe, you may be charged interest, but you will not damage your credit score.