With nearby pawn shop 61% of Americans living paycheck to paycheck, pawning can be a lifesaver when bills and other expenses are mounting. But before you rush into your nearest pawn shop, it’s best to know what kind of items will be most valuable and how the process works.

Jewelry: Gold, silver and diamonds are popular pawnshop items that often fetch a good price. It helps if your pieces are clean and well-maintained, and if they’re made by reputable brands (like Apple or Rolex). Additionally, bringing documentation like receipts and certificates of authenticity can help you negotiate.

Power tools: Whether it’s an old drill, saw or sander, quality tools can sell for $200 or more at pawnshops. These durable, versatile tools are a favorite among both professional tradespeople and DIYers.

Musical instruments: From a classic guitar to a stringed instrument, pawn shops are always looking for music-making equipment that will strike a chord with potential buyers. The value of these items will vary based on rarity and condition.

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Sports memorabilia: From Mickey Mantle to Michael Jordan, sports memorabilia is a popular item at pawnshops. However, it’s important to remember that pawn shops won’t offer you the true market value of your collectibles.

Selling outright usually gets you more money than pawning, but if your items have sentimental or practical value, it may be worth the hassle of pawning to get the cash you need now. In addition, if you plan to repay your pawn loan in full within the time period allotted, you can reclaim your items without losing them permanently.