5 Apps That Loan You Money Instantly Without a Job

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It can be tough to get a loan when you’re unemployed, because most lenders require proof of income. The good news? You can find legitimate lenders who may approve you as long as you have steady income, even if it’s not from a job — such as unemployment benefits, child support, retirement income or disability benefits.

You don’t need a job to qualify — but you do need income. — Legitimate lenders may approve you as long as you have steady income, even if it’s not from a job — such as unemployment benefits, child support, retirement income, or disability benefits.
Cash advance apps are generally the faster, lower-cost option. — Cash advance apps typically don’t charge interest or late fees, and can offer fast funding — making them a strong choice if you need a small amount quickly.
Borrowing isn’t always the answer. — Alternatives worth exploring include government assistance programs like SNAP and TANF, negotiating payment plans with creditors, selling belongings, or picking up a side hustle.

This summary was generated by AI and may contain errors or omissions.

Our top 5 picks for unemployed borrowers

These loans for unemployed borrowers could be a match if you need cash quickly.

For gig workers: Cleo
For a cosigned loan: OneMain Financial
For low fees: Chime MyPay®
For poor credit: OppLoans
For help managing spending: Vola Finance

For gig workers

Cleo

8.2 Great

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Cleo is an AI-powered budgeting and cash advance app, offering 0% interest cash advances up to $250. While its advances are handy, Cleo's strength lies in its ability to help you budget and save money. Set targets based on your income and spending habits, and its quirky AI assistant will help you stay on track.

And unlike some cash advance apps, you don't need recurring direct deposits or W-2s to qualify for cash advances with Cleo. With its combination of cash advances, budgeting, round-up saving and credit-building tools, Cleo is ideal for anyone who wants to take greater control of their finances.

Loan Amount	$20 - $250
APR	0%
Turnaround time	3 to 4 days or instant for a fee.

Available in all states

Cleo is an AI-powered budgeting and cash advance app, offering 0% interest cash advances up to $250. While its advances are handy, Cleo's strength lies in its ability to help you budget and save money. Set targets based on your income and spending habits, and its quirky AI assistant will help you stay on track.
And unlike some cash advance apps, you don't need recurring direct deposits or W-2s to qualify for cash advances with Cleo. With its combination of cash advances, budgeting, round-up saving and credit-building tools, Cleo is ideal for anyone who wants to take greater control of their finances.
Pros

No credit check

No interest or financing fees

Recurring deposits not required
Cons

Maximum cash advance is $250

Monthly membership fee to access advances

3 to 4 days turnaround for free transfers

Loan amount	$20 - $250
Interest rate type	Fixed
APR	0%
Loan Term	Next deposit
Turnaround time	3 to 4 days or instant for a fee.

Loan Amount	$20 - $250
APR	0%
Turnaround time	3 to 4 days or instant for a fee.

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Read review

For a cosigned loan

OneMain Financial personal loans

5.8 Standard

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Read review

The top concern for personal loan lenders is your ability to repay the loan, and usually, that means having steady income from a job. But OneMain considers other sources, such as government benefits, alimony, child support or other forms of income. It also offers a cosigned loan, which can greatly increase your chances of getting a loan, and funding is possible as soon as one hour after approval. But it charges origination fees, its lowest rate is 11.99% and you may have to visit a branch office to complete the loan process.

Min. credit score	Not specified
APR	11.99% to 35.99%
Loan amount	$1,500 to $20,000

Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont

The top concern for personal loan lenders is your ability to repay the loan, and usually, that means having steady income from a job. But OneMain considers other sources, such as government benefits, alimony, child support or other forms of income. It also offers a cosigned loan, which can greatly increase your chances of getting a loan, and funding is possible as soon as one hour after approval. But it charges origination fees, its lowest rate is 11.99% and you may have to visit a branch office to complete the loan process.
Pros

Accepts alternative income sources

Fast turnaround time

Offers cosigned loans
Cons

Charges origination fees

High minimum APR

May need to visit a branch location

Loan amount	$1,500 to $20,000
APR	11.99% to 35.99%
Interest Rate Type	Fixed
Min. credit score	Not specified
Turnaround Time	As soon as one hour
Loan Term	24 – 60 months

_{* OneMain Disclosures:

Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.

Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.

Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.}

Min. credit score	Not specified
APR	11.99% to 35.99%
Loan amount	$1,500 to $20,000

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For low fees

Chime MyPay®

9.4 Excellent

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While many pay advance apps require monthly subscriptions and charge hefty fees for instant transfers, Chime MyPay has no mandatory fees and only one potential charge — 3% of the advance amount ($2 minimum, $5 maximum) for an instant transfer of any size. Standard transfers are free. It's a line of credit that gives eligible users access to up to $500 between paydays with no interest or credit check. Qualifying direct deposits include income from employers, gig economy payers, and government benefits such as Social Security — so you may qualify even without traditional employment. To qualify, you'll need a Chime checking account with at least $200 in qualifying direct deposits, and it's not yet available in all states.

Loan Amount	$20 - $500
Turnaround time	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)
Costs	No subscription fees; Instant transfer fee: 3% of the advance amount ($2 minimum, $5 maximum)

Not available in: Colorado, Connecticut, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Montana, Nevada, New Jersey, New Mexico, South Dakota, Vermont, Washington, Wisconsin, Wyoming

While many pay advance apps require monthly subscriptions and charge hefty fees for instant transfers, Chime MyPay has no mandatory fees and only one potential charge — 3% of the advance amount ($2 minimum, $5 maximum) for an instant transfer of any size. Standard transfers are free. It's a line of credit that gives eligible users access to up to $500 between paydays with no interest or credit check. Qualifying direct deposits include income from employers, gig economy payers, and government benefits such as Social Security — so you may qualify even without traditional employment. To qualify, you'll need a Chime checking account with at least $200 in qualifying direct deposits, and it's not yet available in all states.
Pros

No monthly subscription or mandatory fees

Accepts government benefits as qualifying income

Free standard transfers
Cons

Not available in all states

Requires direct deposit of $200+

Need a Chime checking account

Loan amount	Up to $500
Loan Term	Until next deposit
Turnaround time	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)

MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). MyPay eligibility: To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Available Advance Amount may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions. Early Pay: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Savings: Chime® Checking Account is required to be eligible for a Savings Account. The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 02/26/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details. Credit Builder: Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.

Loan Amount	$20 - $500
Turnaround time	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)
Costs	No subscription fees; Instant transfer fee: 3% of the advance amount ($2 minimum, $5 maximum)

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For poor credit

OppLoans Installment Loans

9.4 Excellent

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OppLoans doesn't have a minimum credit score to qualify for a loan, and it's open to income from numerous sources besides employment. It also only requires a soft credit check, so there is no impact on your score — whether you're approved or not. But rates can be steep, you need to receive your income source by direct deposit and it's not available in all states.

Loan Amount	$500 - $5,000
APR	99% - 195% APR
Turnaround time	As soon as the same business day
Online application	Yes

Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, Oregon, South Dakota, Vermont, West Virginia

Pros

No minimum credit score

Only requires a soft credit check

Same-day funding possible
Cons

High APRs

Requires direct deposit

Not available in all states

Loan amount	$500 - $5,000
Interest rate type	Fixed
APR	99% - 195% APR
Loan Term	9 to 18 months
Turnaround time	As soon as the same business day

The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 99% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.

Loan Amount	$500 - $5,000
APR	99% - 195% APR
Turnaround time	As soon as the same business day
Online application	Yes

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For help managing spending

Vola Finance

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Vola Finance provides an unemployment loan of up to $300 when you connect a bank account that meets three eligibility requirements:

At least three months old
Average balance of $150
Proof of income and activity

The app also features spending analytics and tools to help you better manage your money. However, how much you'll pay for Vola's subscription fee is anybody's guess. Third-party and customer reviews say it's anywhere from $1.99 to $28.99 a month. But the company doesn't clearly disclose a fee structure before you sign up.

Loan Amount	Up to $300
Turnaround time	Within 5 hours or instant to Vola card

Available in all states

Vola Finance provides an unemployment loan of up to $300 when you connect a bank account that meets three eligibility requirements:
- At least three months old
- Average balance of $150
- Proof of income and activity
The app also features spending analytics and tools to help you better manage your money. However, how much you'll pay for Vola's subscription fee is anybody's guess. Third-party and customer reviews say it's anywhere from $1.99 to $28.99 a month. But the company doesn't clearly disclose a fee structure before you sign up.
Pros

Advances up to $300

Get an extension of up to 10 days

Free delivery within five business hours
Cons

Opaque and potentially expensive subscription fees

Must have average $150 balance in bank account

Account must be at least 3 months old

Loan amount	Up to $300
Interest rate type	Fixed
Loan Term	Until next payday, but can extend
Turnaround time	Within 5 hours or instant to Vola card

Loan Amount	Up to $300
Turnaround time	Within 5 hours or instant to Vola card

Read review

Methodology: How we chose these lenders

Our team of loan experts looked at dozens of cash advance apps and personal loans before narrowing them down to the best ones for unemployed borrowers. We also regularly review and update our selections to make sure our picks are the best in the market and ideally suited for their categories.

Here are the criteria we considered when choosing the best loans and apps that loan you money instantly without a job:

Turnaround times
Interest rates
Monthly fees
Origination fees
Transaction fees
Credit requirements
Income/deposit requirements
Loan amounts
Repayment plans
Better Business Bureau ratings and reviews
Trustpilot ratings and reviews

How to compare loans and cash advances for unemployed borrowers

Whether you’re looking for a small cash advance to tide you over or a larger loan amount, here are some key factors to compare.

Advance or loan limits. Loans have higher limits than cash apps, but only borrow as much as you need — especially if you’re on a tight budget.
Fees. Be sure you’re aware of any fees that come with unemployment loans, such as monthly charges for cash advance apps or origination fees for personal loans.
Credit score. Cash advance apps typically don’t check your credit, but personal loan lenders may have minimum requirements to qualify.
Loan terms. Consider how long you think you’ll need to repay the loan. You usually only get a couple of weeks with cash advance apps, but personal loans give you the opportunity to spread out your loan payments.
Turnaround times. Cash advance apps and loans can both offer fast funding, but if you need money instantly, you might have better luck with a cash advance app.

Pros and cons of cash advance apps and loans for unemployed people

Consider the benefits and drawbacks of unemployment loans.

Pros

Fast funding possible
Some options don’t require credit checks
Cash advance apps typically don’t charge interest or late fees
Personal loans offer larger loan amounts

Cons

Cash advance apps may require a monthly subscription fee
Personal loans can come with high rates
Fees for expediting cash advances can be steep
Risk of hurting your credit if you can’t make your loan payments

When to consider a loan

If you’re unemployed, you might be wondering if taking out a loan is a good idea. It might make sense if you:

Need to cover essential living expenses like food, rent or utilities
Have a medical emergency and need to pay for treatment
Have urgent home or car repairs
Are facing some type of expense that can’t be put off
Have a job offer letter with a start date in the next six months

Avoid taking out a loan that you aren’t certain you can repay. If you miss payments, you could end up owing multiple times what you borrowed in fees, hurt your credit and even risk facing a lawsuit from your creditor.

When to consider alternatives

Likewise, taking out a loan while you’re unemployed may not be the right option if one of these situations applies to you:

The thought of adding one more monthly payment to your plate stresses you out.
You don’t have a regular income.
You could sell something you own to come up with the cash instead.
The item you need to pay for is a “want” rather than a need.

Compare cash advance apps

7 of 7 results

Finder Score	Max. amount per pay period	Turnaround time	Costs
9.5 Excellent EarnIn	9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1–2 business days standard; minutes with Lightning Speed	Free to use or within minutes with a fee as low as $3.99 per transfer	Access up to $150 per day, with a max of $1000 between paydays. Not available to CT or Washington, D.C. residents. Subject to EarnIn terms & conditions.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Chime MyPay®	9.4 Excellent	Up to $500	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)	No subscription fees; Instant transfer fee: 3% of the advance amount ($2 minimum, $5 maximum)	Access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions. MyPay is only offered in select states.	Go to site View details Compare product selectionCompare	loading
8.7 Great Current	8.7 Great	$50 to $750	Up to 3 days or within an hour for a fee	Free	Get up to $750 before payday, once you qualify. Paycheck Advance is an earned wage access service and is not a loan or credit product. Subject to Paycheck Advance Terms and Conditions.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent OppLoans Installment Loans	9.4 Excellent	$500 to $5,000	As soon as the same business day	99% - 195% APR	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Varo Cash Advance	9.4 Excellent	$20 to $500	Instant, once qualified	No membership fee, Flat Fee of $1.6 to $40	Varo Advance (VA) is a small dollar line of credit. Initial limits range from $20-$250. Fees range from $1.60 - $50 based on loan amount and deposits to your Varo Bank Account. No interest is charged. Qualifications Apply.	Go to site View details Compare product selectionCompare	loading
9.1 Excellent CreditNinja Installment loan	9.1 Excellent	$300 to $5,000	1 to 2 business days	APRs over 36% plus fees	Not available in: AK, CO, CT, FL, GA, IL, IA, KY, ME, MD, MA, MT, NV, NH, NJ, NM, NY, NC, ND, OR, VT, VA, WA, WV. Fast online funding up to $5K, but you won't know about rates and terms until after you apply.	Go to site View details Compare product selectionCompare	loading
8.2 Great Cleo	8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	$5.99 monthly membership fee to access cash advances	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to site View details Compare product selectionCompare	loading

Showing 7 of 7 results

What is the Finder Score?

The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

Read the full breakdown

Alternatives to cash advance apps and personal loans for unemployed people

If a cash advance app or personal loan isn’t the right move for you, consider these alternatives to borrowing money:

Government assistance. Programs like the Supplemental Nutrition Assistance Program (SNAP) and Temporary Assistance for Needy Families (TANF) can help with food or cash needs if you’re not working and need help making ends meet.
Payment plans. If you have a major car repair or a large medical bill, see if you can set up a payment plan rather than borrowing money.
Negotiate with creditors. If it’s existing debt that’s causing a shortfall in funds, ask your creditors about pausing payments for a month or two, getting an extension or lowering your monthly payment.
Sell your stuff. Make some money by decluttering your home or garage and selling your old belongings to people who can use them.
Find a side hustle. Whether you’re between jobs or retired, there are a ton of ways to make a little extra cash in today’s gig economy.

Frequently asked questions

Are cash apps payday lenders?

No, but they share some similarities. Both options offer short-term loans, which are usually paid back within two weeks. But cash advance apps don’t charge interest or late fees, whereas payday loans charge both.

How to get $200 instantly without a job?

Most likely your best option to get $200 fast is with a cash advance app that offers loans for unemployed people. You’ll have to pay a fee to get the funds transferred instantly, but at least you won’t have to pay interest.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.

Written by

Lacey Stark

Writer

Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full bio

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92 Responses

PeterOctober 7, 2018

Hi I am unemployed and have a great need for financial assistance can you advise me on what to do with my situation to get a loan for small business?

Finder

johnbasanesOctober 8, 2018Finder

Hi Peter,

Thank you for leaving a question.

You are on the right page to make a comparison as well as check on available lenders in your state that could offer you a loan. Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.You may also reach out to your local government and check on hardship loans that may be available in your state. Hope this helps!

Cheers,
Reggie

Bell1day84September 22, 2018

Are there lenders for those that receive unemployment checks?

Finder

JoshuaSeptember 24, 2018Finder

Hi Bell1day84,

Thanks for getting in touch with finder. I hope all is well with you. :)

Generally, unemployment checks are considered to be a form of income. For this reason, lenders may still consider your loan application.

To check your options, please consider reviewing the table above. Your options are conveniently gathered together in the table for easy comparison. Click on the “Go to site” green button to learn more. Please review the criteria, details of the loan product and contact the lender directly to discuss your loan options and eligibility.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers,
Joshua

StephanieSeptember 5, 2018

I am a server, can I get a loan without payslip? I get my pay daily in cash.

Finder

JhezelynSeptember 6, 2018Finder

Hello Stephanie,

Thank you for your comment.

There are still some lenders that have minimum employment requirements to qualify you for a loan. It states that as long as you can prove your cash payment, you may be considered for a loan. It’s important that they can see you as someone who is capable to repay a loan. Find more about on how to maximize the chances of approval in a personal loan.

You can try BBVA lender as they typically requires pay stubs from the previous 30 days to verify income. Please click the Go to Site button to apply. Ensure that you have met the eligibility criteria. Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the product is right for you.

Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.

Regards,
Jhezelyn

SandraAugust 6, 2018

I’m currently unemployed but I’m to get my first SS check at the end of this month and I’m trying to pay my electric bill before it’s turned off. I just need 450 to pay the electric and a couple more bills until I get my SS check

AshAugust 7, 2018

Hi Sandra,

Thank you for reaching out to Finder.

You may want to check loans designed for pensioners since you mentioned you are receiving Social Security benefits. You may need to provide your credit score to see which lender is available in California.

Kindly ensure that you meet the Lender’s eligibility criteria before submitting your application. Then you may click the green “Go to site” button to be redirected to the Lender’s page and hand in your application.

I hope this helps.

Let us know if there is anything else that I may assist you with.

Cheers,
Ash

TruJune 25, 2018

I’m in between jobs and I’m about to be employed again soon. I have an active bank account. I own a house own a car paid it off. I also receive settlement funds. Is it at all possible I could get a small loan the meantime?

nikkiangcoJune 25, 2018

Hi Tru,

Thanks for reaching out to us.

The most important thing in getting a loan is to check if you have all the eligibility requirements that the bank requires as any application, approved or not, will impact your credit score.

Important things to consider before borrowing:

1. You need to be able to repay the loan. This is the main thing lenders look for when considering you for a loan. If you only want to borrow a small amount and your income and expenses demonstrate you can easily manage the ongoing repayments, then you may be eligible. If you want to borrow a large amount of money that will make it hard for you to manage day-to-day, then the lender probably won’t consider your application.
2. Other requirements will need to be met. You’ll need to check the other eligibility requirements set by the lender before you apply. Just because they have flexible criteria when it comes to your employment doesn’t mean they’ll be flexible about everything else.
3. Do you receive welfare payments? This is often what allows lenders to consider you for a loan when you aren’t currently unemployed. If you receive welfare payments as all or a portion of your income, lenders will consider this when evaluating your ability to repay the loan.
4. Quick repayment plans. Like all short term loans, you must repay the principal and interest by your next payday. This is why lenders want you to be employed, but if you aren’t, an alternate source of income might be enough.
5. High APR. Short term loans are known to have a high APR, meaning you have to pay much more in fees and charges than you would with a traditional loan from a bank.
6. Automatic payments. While lenders like to list debiting directly from your bank account as a positive, if you don’t have the money to pay back your loan, it could lead to overdrawing–that means more fees.

Hope this helps!

Regards,
Nikki

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