Do research before taking a loan
You should always read your loan documents carefully before signing for the loan. Always ask if there are any additional fees.
You can always ask your lender to tell you the amount you are required to pay in real values rather than percentages, to make it easier for you to understand what you owe.
Do some research and compare the rates of different financial institutions, so that you find a lender that is affordable and best suit your needs.
Make sure your lender is credible. Ask as many questions as you would need in order to make your decision. If the lender is not ready to answer your questions, then that is not the right lender for you.