A pawn shop’s reputation for low-balling items and high interest rates on loans has given them a bad name, but the truth is that the shops are often just as reputable as any other store. The key is to understand the process and learn how to get the most value out of your items when you’re selling them or using them as collateral for a loan.

There are many alternatives to pawning, including gig work and personal loans. But if you’re in a pinch and need money quickly, pawning can be a quick and easy way to get it. Here are some tips to help you find the best closest pawn shop for your needs:

1. Look up the shop’s licenses and ratings online before walking in.

Pawn shops are heavily regulated, and most state laws set the maximum amount of interest they can charge. The media, however, has given pawn shops a bad reputation, and some people are hesitant to do business with them due to their fear of being ripped off. Before you walk into a pawn shop, research the business and check its rating on the Better Business Bureau website.

2. Know what to bring.

Jewelry, tools and firearms are good items to pawn or sell at a pawn shop. Also consider collectibles and electronics like TVs and laptops, but note that new electronic items can be hard to compete with retail sale prices at a pawn shop. Also be aware that some collections aren’t worth much — Beanie Babies, vintage band T-shirts and royal memorabilia, for example, are not likely to fetch a lot of cash.