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Compare fees- Check origination fee, late fee, NSF fee, prepayment fee and any other charges that are applicable on the loan before applying. Do not borrow for a longer term- The loan repayment terms differ by lender. Therefore, it is good to choose a direct lender providing flexible loan terms. Need extra cash fast? Get an 

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Think of it as an extra layer of protection – it costs you nothing to have available, accrues interest only when you draw from it and you can pay it off as quickly as you want to save on interest. You Get: Cash when you need it – revolving line of credit; Flexible payment options; No cost to have available – you only pay interest