First of all, there are no any doubts that you have to read the terms and conditions. Even if we are talking about getting an online loan, you should do it in the first place. The following thing that you should do is find and read some feedback about that company/website. It is even better if you can find someone and talk to him/her directly. The last but not the least, you have to be sure that you can pay for that loan you are getting. Even though the risks you take are smaller than taking a mortgage, there are collectors that can make your days sweeter when sugar! I would reccomend you paydayinusa.com MO. I use it myself for a couple of years and I can say it sure that this site is very good!