Jelly, I've heard from some elderly that gold shop will usually give good rates if you're buying jewellery from them after the buy back. For pawnshops, there's two ways I heard... to redeem it at a later date by paying interest on a periodic basis, or let them know you do not want to redeem (think it's called 断当 if I remember correctly) for better rates as it'll be considered sold to them. These are only hearsay from some elderly folks, not sure about exactly how it works.
Try not to get loan from ezycash or overdraft as these charged very high interest sinced they're considered unsecured loans. If you really need a loan, possible to approach family or close friends? Or try to work something out with the banks, their interest rates are usually more reasonable.