i wouldn't do a loan that way unless it's absolutely necessary. pawn shops near me pay $.10 on the dollar... unless the items are brand new with the box and packing materials. $10 k in jewelry will get you between $250 and $900 in my experience. if you're going to do that there's other alternatives. there's play it again sports, used tool shops, jewelers (they pay a lot better for jewelry), etc.. talking to your landlord may buy you some time. go through your old junk. if the landlord gives you a break you might be able to sell some things. if that's the case there's plenty of places online (ebay, kijiji, craigslist, etc.). if you have an old car sitting around you were thinking about fixing up that's an option too. if you have any friends that are mechanics they can help with that too. one of my friends can get $200 - $400 just for a used radiator. sell the parts you can and then sell the rest of the car to a junkyard. used appliances might be another option... depends on what you got and what's near you.
imo loans of any kind are not the best route to take when you first fall on hard times. it's better to sell what you don't need and work to get it back than to put yourself in a hole you can't dig out of. i would talk to my landlord either way because if things don't work out you can easily come home to an eviction notice on your door. at that point there may be no talking. you can open up your options and take a lot of pressure off if your landlord is understandable... in many cases they are and they'd much rather take their chances with a resident that's been paying and is having a hard time than redoing the place and hoping they can find another renter.
in any case good luck and i hope things work out for you.
