In a lot of cases people tend to apply for loans, but fail to check the reputation of the lender.
Even in cash emergencies it is highly recommended and encouraged to always check your lenders reputation.
There are many scams out there and online which can be easily avoid with a simple check. That said, it is easier to search for an online loan as opposed to going from one place to another. Again, online loans are in many instances cheaper due to the fact that lenders have low overheads. This means their rates may be low and it will benefit you greatly.
Find out if the lender is registered to lend money since it will ensure your safety and that rules will be followed. Rather be safe than sorry!