Before you sign anything, be sure to thoroughly review the loan agreement. Watch out for any sneaky hidden fees, prepayment penalties, or confusing variable interest rates.

Additionally, it’s a good idea to check independent reviews and see what the Better Business Bureau (BBB) has to say. They can provide valuable information on the lender's customer service, response times, and how they handle any issues. Ultimately, it’s all about comparing different lenders so you can find a loan that is not only affordable but also clear and reliable in the U.S. market.