Using emergency loans is really a last resort for most people. If at all possible consider getting a secure loan, using a credit card or even borrowing from family if possible. If you do use an emergency loan service try to work with a well known company that is located in your area.
Only take out an emergency loan for the amount of money you actually need. Many emergency loan companies will offer the full $1,000 maximum, but sticking to just what you need will prevent you from getting into a borrowing cycle.