When you receive emergency loan offers, compare the following: Loan Amounts Consider how much each lender offers and compare it to your needs. For example, some lenders only approve loans as high as $3,000, while others can approve loans of $5,000 to $35,000. When you’re dealing with finances, making informed decisions is especially important. Only borrow the amount you need when taking out a loan. Taking out additional funds you don’t necessarily need will result in higher monthly payments.  APR and Fees Consider the interest rates and fees. Then, calculate how much the loan will cost you and compare it to the market average. There's no sense in getting caught in a cycle of being unable to make your payments or risk losing your car. Funding Speed If you are applying for a car title loan, you are likely experiencing a financial emergency where you need cash fast. Find out how quickly a lender will payout the funds after approval to ensure it fits within your timeline. Additional Considerations Choose a direct lender that doesn't focus on credit scores and offers loan terms that fit your needs and time frame. Make sure you get what you deserve, including: Work with a licensed lender to avoid scams Use of your vehicle during the loan term The ability to negotiate your interest rate No prepayment penalties No hidden fees Thoroughly research lenders when vetting potential loan companies. Check online for reviews from real borrowers and any positive or negative press involving the company. If you find a good fit, follow up by talking to a representative.