The internet has made it fast, private and convenient to get the short-term loan you need. But how do you know which companies you can trust with your personal information? Below are four sure-fire ways you can make sure your lender can help you get the money you need, safely.

• Look for professional affiliation. Most banking and lending industries have a self-legislating trade association that enforces fair practices and standards. The Community Financial Services Association (CFSA) is a strong proponent of payday loan and cash advance consumers, so finding the CFSA logo on a lender’s site is a strong indicator of trustworthiness.

• Ensure it’s secure. Due to the prevalence of identity theft on the internet, it’s important to find a lender that can ensure your safety. Look for companies that use VeriSign internet security technology, as they can offer you the greatest safeguard against online predators.

• Dig deeper. Any licensed or approved lender will have in-depth and easy-to-read Rates & Terms outlined on their website or advertisements. So don’t just ignore the fine print. Read the rules and statutes for your state and avoid any lender that doesn’t clearly outline their fees and/or certification.

• When in doubt, ask around. If you’re still not sure about a company, ask your friends, neighbors or family if they have any experience with the lender. Often times the people closest to you can give you the best advice. Also, many lenders will offer Refer-a-Friend programs. If you get a referral email or discount from such a lender, there’s a good chance your friends have had a positive experience as well.