* Cost of Loan: normal are small fees, so you should avoid paying high commissions.
* Interest on loan: interest on the loan usually will be lower than your credit card. If the interest is high does not interest you, because you could not make loan payments. Try to get fixed interest for the monthly fee does not vary.
* Loan Fees: The monthly fee should be less than the sum of everything you’re paying now separately.
* Effect in your history: Make sure you explain well what is before you sign the loan and avoid those entities that are not clear on this.