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Can You Get a Personal Loan Without a Job?

You have options when you need to borrow money without a job.

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Updated July 18, 2024
Written by Rachel Alulis
Here at MoneyFor, our goal is to help you make informed financial decisions. We are committed to accuracy and impartiality in all our content. It’s important to note that articles may reference products from our partners who compensate us. This influences which products we feature and their presentation on our site, not our evaluation.

Key takeaways

  • You can borrow money without a job. Include alternative sources of income on your application, put up collateral, or take out a cash advance.
  • A strong credit history, adding a co-signer, or asking for a smaller amount can increase your approval odds.
  • If you don’t qualify for a personal loan based on income, explore alternative lenders like pawnshops, online lenders, and credit unions.

Get a loan without a job right now with our help. If you do not have a job, it can be hard to qualify for a personal loan. Lenders typically want proof of income to ensure you can repay them. But not all.

There are personal loans that don’t require a traditional job.

Let’s go over how to get approved for a loan with no job and potential alternatives so you can get the money you need.

Jump to:

How to get a loan without a job

When you need to get a loan with no job, your options are limited, but you’re not cut off entirely. Payday loans will be difficult to get without a paycheck. You will have to apply for a secured loan or find lenders who offer unsecured loans without income verification. Loans for unemployed people often come with higher interest rates and additional fees to offset the lender’s risk.

Put up collateral

Secured personal loans require collateral reducing the lender’s risk and making them easier to be approved for. Collateral could be your car, savings account, or retirement accounts. If you don’t keep up with payments, the lender can sell your asset. Secured loans can be a good option but you risk losing your asset.

Visit a pawnshop

Bring an item of value that you can live without to a pawnshop, and you could leave with cash equivalent to the item’s worth. No income verification is necessary. If the money is not repaid in time, the pawnshop will sell your property to recoup their loss.

Pawnshops are highly regulated. Some states set caps on the loan amount and/or the interest rate. If there’s no cap the the interest rates the payments could be very expensive.

Use your car’s title

You can use your vehicle’s title as collateral and receive a lump sum payment equivalent to 25% to 50% of the vehicle’s value. It’s easy to get title loans with no job, but the lender will likely charge a 300% APR, and they come with a short repayment schedule of 30 days. Otherwise, the lender can seize your vehicle and sell it to recoup the funds.

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Go to a broker

loan application

Brokers have access to a variety of lenders and so may be able to match you with one willing to work with applicants without a job. Be careful though as they my recommend lenders who compensate them but are not the best for you.

Read more about loans.

Apply at a local bank

You may be able to take out an unsecured personal loan from your local bank if you have a bank account there. Smaller banks are more willing to work with established customers, even if you don’t have a job.

Take out a cash advance

A credit card cash advance is when you withdraw cash using your credit card. It’s fast and easy but expensive. Cash advances come with steep fees and do not have grace periods like regular credit card purchases. You are charged a higher than normal interest rate on your advance from the moment you withdraw the money. Be careful with cash advances since they can lead to a cycle of debt if not managed carefully.

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Borrow from a friend or family member

Borrowing money from a family member or friend is the least expensive personal loan option. They most likely will not charge interest or fees. If it’s available to you, it can be the best route to take. To avoid hard feelings, put the agreement in writing, including when and how the money will be repaid.

Get a grant from a nonprofit

Nonprofit organizations may offer personal loans or grants to people in financial distress. These funds often come with favorable terms, lower interest rates, or no repayment requirements.

Understanding how to get money today without a job can help you navigate financial emergencies more effectively.

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Factors lenders consider

Lenders typically consider several key factors to assess your financial health and determine if you qualify for a personal loan. Here’s a breakdown of these factors.

Credit profile

Your credit score is the main way lenders assess how likely you are to repay an unsecured loan. The higher your score, the better your chance of approval with favorable terms. The best interest rates are given to borrowers with good credit scores of 670 or higher.

You can still secure funding if you don’t have excellent credit. Many lenders specialize in bad credit personal loans, but you will be charged a higher interest rate and additional fees.

Debt-to-income ratio (DTI)

Your debt-to-income (DTI) ratio represents the percentage of your monthly income that goes toward paying debts. Lenders calculate your DTI by dividing your monthly minimum debt payments by your gross monthly income and multiplying that by 100.

For instance, if your debt payments total $400 per month and you earn $2,000 before taxes, your DTI is 20%. That’s good. Most lenders want a DTI below 35%. A low DTI indicates that you have a good balance between debt and income, making you an attractive candidate.

Learn how to negotiate debt!

Credit history

Your credit history encompasses your payment history and indicates how likely you are to repay the money. The fewer missed or late payments on your credit report, the better your chance of qualifying. Late payments, defaults, or a high credit utilization ratio are red flags marking you as an unreliable borrower.

Annual income

Income is certainly a factor. Some lenders have stated minimum income requirements, but that doesn’t necessarily mean you need a traditional job. The key here is that money is coming in and you will be able to pay them back. Alternative sources of income include alimony, child support, or government benefits. Lender’s income requirements vary, but in general, you can get a personal loan without a job if you have alternative sources.

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Consider loans from online lenders

A lot of lenders have moved online. Check online platforms as many have flexible lending criteria, making them a viable option when you need money desperately, but have no job.

Try to prequalify before you apply. Prequalifying will let you compare loan amounts, rates, fees, and repayment schedules without hurting your credit score, so you can apply for the best offer.

Research potential lenders. There are less than reputable lenders that offer funding without income verification but will charge a very high interest rate and additional fees like an origination fee. Many are predatory lenders (like payday lenders) and should be avoided at all costs.

Taking out a loan with no job is risky

Getting a loan without a job can provide temporary financial relief, but it also carries risks.

Increased financial burden: You have cash in hand, but the monthly payments can be a significant stressor without a steady income.

Missed payments: If you do not start a job soon, you are likely to miss a loan payment. Late or missed payments come with fees and leave negative marks on your credit report, making it harder to secure credit in the future.

Loss of collateral: For secured loans, you risk losing your collateral. If you default, the lender has the right to seize the asset, leaving you in a potentially worse situation than before.

High costs: Personal loans for unemployed usually come with high APRs and additional fees, making them very expensive.

If you have trouble paying, look into debt management or consolidation.

Next steps if your loan application’s denied

If your personal loan application is denied, don’t lose hope. Take steps to improve your chances next time.

Firstly, review your credit reports from all three bureaus (Equifax, Experian, and TransUnion) to identify any inaccuracies or areas for improvement. Correcting errors on your credit reports can boost your credit score. The higher your credit score, the better your chances of being approved.

Lenders are obligated to tell you why they denied your loan application. Talk to the lender and find out what you can do. You may need to raise your credit score or apply for a smaller amount.

Visit a non-profit credit counseling organization. They can offer guidance on managing debt, budgeting, and improving your financial health, so you can secure personal loans under better terms.

Assistance programs for when you don’t have a job

When you need money today but do not have a job the pressure can feel overwhelming and it can be tempting to borrow. However, there are many nonprofits, charities, and government assistance programs to help people out in tough times. 

A few favorite providers are:

Patient Access Network is a nonprofit organization that helps uninsured Americans pay for medical expenses and hospital bills. It has provided millions of dollars in financial assistance to low-income individuals.

Hebrew Free Loan Society provides interest-free funding for education, healthcare, small business development, and emergencies to individuals in the local Jewish community.

Modest Needs is a nonprofit organization that provides small emergency grants to low-income individuals. Grants can be used to cover various needs, including emergency expenses, medical care, or legal fees.

Call 2-1-1 (a free resource) to find more organizations and programs in your area.

Employment injury benefits

If you’ve been injured on the job and cannot continue with your regular responsibilities, you may be entitled to worker’s compensation. These benefits cover medical expenses, lost wages, and rehabilitation costs.

Court-approved funding

Court-approved funding includes anything from child support to settlements. This extra money can help you cover living expenses when you don’t have a job.

Social Security entitlements

Eligible individuals including retirees of a certain age, disabled persons, and survivors of deceased workers can get social security payments. These payments can cover living expenses, medical costs, and other essential needs.

These assistance programs can also help if you lost your job and are unable to pay a personal loan. If this is not enough and you’re considering bankruptcy, it’s time to talk with a credit counselor.

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How to qualify for emergency loans with no job

There are other ways to qualify for funding when you lack traditional income. Take a look and see if any of these strategies apply to you.

Include alternative income

Understanding how to get a loan with bad credit and no job begins with recognizing the importance of alternative income sources.

Alternative income sources include:

Social Security

Unemployment benefits

Disability benefits

Alimony or child support

Spousal income

Pension or retirement income

Recurring interest or dividends

Foster care and adoption subsidies

Pending job offer

Rental income

Compile a list of all your income streams to show that you can afford to make monthly payments. You may have to provide proof of payments or show that the income will continue. If you include your spouse’s income, you may have to list them as a co-borrower.

If you just started your job but need a loan, you may be able to get one. Some lenders accept income from pending job offers or contracts for freelance gigs as evidence of future income.

Lenders are primarily concerned with your ability to repay, so showing that you have regular income coming in from other sources can be persuasive.

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Add a co-signer

If you’re exploring how to get approved for a loan with no job, consider asking someone with a steady job and a good credit score to be a co-signer. Co-signed loans are easier to qualify for since your co-signer is obliged to repay the money if you are unable to.

Join your local credit union

You may be able to get a loan without a job from a credit union. A lot offer emergency funding for low-income borrowers and have more lenient requirements.

Request a smaller amount

Applying for a smaller loan amount can improve your chances of approval. Lenders are likelier to approve a lower amount since it’s less risky.

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Frequently asked questions

1. Can you get a personal loan without income proof?

Yes, look into online lending platforms that approve applicants based on alternative criteria, such as your payment history, assets, or a co-signer’s financial stability.

2. Can you get a loan with no income?

Yes, but you will need to add a co-signer with a stable income. You could also take out a secured loan, where the lender is less interested in your income.

3. Are there unemployment benefits if you don’t have a job?

Yes, there are benefits for people who were fired from their jobs through no fault of their own. Each state sets its own eligibility guidelines, but generally, you must be unemployed due to a lack of available work and meet work and wage requirements. You get paid a percentage of your former salary for approximately 26 weeks.

4. Can I take out a loan with no job?

You can borrow money, but your options will be limited. You will have to either show alternative sources of income or take out a secured loan.

5. How can you borrow money if no one will approve you?

If traditional lenders won’t approve you, consider alternatives like peer-to-peer lending, borrowing from friends or family, or cash advance apps.

6. Can you get a car loan without a job?

In short, yes, but you’ll need to prove your ability to make payments. This can include showing alternative sources of income, adding a co-signer, or using savings as collateral.

7. Can you get a mortgage without a job?

It’s possible to get a mortgage without a job but be careful. Lenders who will approve you without income verification will likely not give the best terms. Be prepared to pay a large down payment or add a co-signer to improve your chances of approval.

8. What are hardship loans?

They are emergency loans you can get quickly. This type of personal loan typically has flexible eligibility criteria but comes with higher interest rates and shorter repayment terms.

9. Can you get a loan without a job?

To borrow money without a job you’ll have to demonstrate your ability to repay through other means. Lenders may consider income from social security, child support, or accept a co-signer with a steady income.

Bottom line

There are ways to get a personal loan – even a $1,000 loan with no job – to cover unexpected expenses. Explore alternative income sources, leverage an excellent credit score, or find lenders that prioritize other criteria.

While you can get a personal loan with no job, it is not usually the best choice. Taking on debt when you have no job can make your situation worse. Look into government assistance and community support. There may be alternative funding to help you out.

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About the author

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

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