If you're looking to get a short-term loan in the United States, taking a few precautions can help you avoid scams and predatory lending practices. Start by doing your research and looking for reputable lenders with positive reviews from other borrowers. Before applying, make sure you fully understand the loan terms, fees, and repayment schedule. Check your credit score and gather any required documents, such as proof of income and identification. Once you've found a suitable lender, apply online or in person and carefully review the loan agreement before signing.