10 Best Apps That Loan You Money Instantly Without a Job

A loan is a money given to another party in exchange for repayment of interest and loan principal amount. Loan terms are agreed on by the party involved before any money is advanced. A loan may be unsecured such as a credit card, or may be secured by collateral such as a mortgage.

Personal loan applications are mobile tools designed to let people apply for a loan without ever setting foot in a bank. If an individual needs funds to help consolidate debt, finance a large purchase, or pay an outstanding bill, a personal loan might make sense.

Apps That Loan You Money Instantly Without a Job


Apply for a personal loan here

Apply for a bad credit loan here

Click here to apply for a Payday loan

How to Get a Loan Without a Job

Below are some steps you can take if you need to get a personal loan when you do not have a job.

  • Understand Your Options

Start by getting familiar with your loan options because once you start looking for an alternative loan, you will encounter many that are marketed to people with no credit or bad credit history. 

  • Document the Income you Receive

The income you receive could help qualify you for an unsecured loan. All you need to provide is documentation, such as Dividends, recent statements, Child support, Alimony, Social security, etc.

Documenting income could mean getting a secured versus an unsecured loan.

  • Document your Assets

If you don’t have a good income to qualify for the loan, you might get a chance to qualify for a secured loan based on your assets. Here are examples of assets that will you get qualified:

  • Certificate of deposit or Bank account
  • Car, RV, boat, or motorcycle
  • Artwork
  • Retirement account
  • Bonds or stock
  • Jewelry
  • Collector’s items
  • Check with Your Bank.

Banks and Credit unions usually have secured loan options. All banks and credit unions will consider different income sources for an unsecured loan. Only credit unions offer PALs (payday loan alternatives).

  • Check Online Lenders

An online loan is like a loan from your local bank, which usually considers income sources other than employment. Many well-known online lenders offer unsecured loans only, but you will find some that also specialize in secured loans.


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10 Best Loans for Unemployed People With no Income

The loans listed here are great options for unemployed people who have no income. With careful consideration, any one of these loans could help you get back on your feet.

1. MoneyMutual

You can use different sources of monthly income to increase your chances of loan approval on this platform. Your loan application will take only a few minutes to complete, and you could receive multiple loan offers in your email inbox after submitting the necessary application.

And since the MoneyMutual platform maintains one of the biggest online lender networks, you may find that your income might be enough to satisfy multiple lenders’ requirements. And when lenders compete for your business, you will get their best possible offers.

2. CashUSA

CashUSA platform partners with many personal loan lenders in the U.S. to offer instant personal loan options to people with a bad credit history. Your unsecured loan comes with a competitive interest rate and monthly payment that’s designed to fit whatever your budget is.

And since these are installment loans, you will have several months to pay the debt through monthly payments. The times of payments you have to make will depend on the loan amount and the lender’s offer.

3. BillsHappen

BillsHapppen platform provides emergency loan and cash advance options and will accept different sources of income on your loan application. But unlike most payday loan offers, you won’t have a sky-high interest rate or other fees that make the loan too expensive.

Just ensure you add your regularly occurring income sources to your application to improve the chances of approval. Lenders want to know that you can pay monthly without stressing your budget.

4. CreditLoan

CreditLoan works with consumers needing a bad credit loan to help them find options that suit their needs and budget. Approved applicants can close their loan within a few hours and receive their money by the next day.

Most lenders on the CreditLoan.com network might even provide access to expedited loan servicing that can put money in your account even more accessible and faster. This service charges a fee depending on the lender you work with.

5. BadCreditLoans

BadCreditLoans lives up to its name by providing low-income loans to individuals and families that need a payday loan alternative. Every qualified borrower may receive multiple loans offers to choose the best fit for their needs.  

People may still qualify for a loan even after a recently discharged bankruptcy. The platform will not accept your loan request if your bankruptcy case is still pending in court. Click here to apply for BadcreditLoans now.

6. PersonalLoans

 PersonalLoans maintains two unique divisions within its online lending network. One specifically works with applicants with good credit, and the other is with borrowers with bad credit. This structure ensures that loans application will only go to lenders that are ready and willing to work with you.

That’s essential to consider so you won’t waste your valuable time applying for a loan. You may receive different loan offers within minutes after you submit the loan request. Click here to apply for a personal loan now

7. Pawnshop Loan

A pawnshop loan platform can offer you an instant loan if you provide collateral. The platform will keep your valuables and sell them to get back the money lost in the bad loan. Not only do you risk your valuables, but you will receive smaller money for your goods. The average pawnbroker will only loan between 25% and 60% of the collateral value. 

8. Car Title Loan

An auto title loan requires an individual to sign the title to their vehicle to receive a small loan for far less than the automobile’s value. If the individual can’t repay the loan on time along with the high-interest rates, the lender will repossess the vehicle.

 A car title loan is a risky way to get a loan without income verification and is also expensive. Along with an origination fee and other charges, individuals can expect to pay back far more than they borrow from the auto title loan company.

9. Borrow From a Loved One

Borrowing money from a loved one isn’t a good idea. If the person borrowing the money doesn’t repay the debt, it could harm their relationship with their family member or friend. It’s a way to get a cash loan without proof of income, and their friend or family member will likely provide them with fair repayment terms.

10. Recruit a Cosigner

A cosigner is a person who has a better credit score than you and is willing to help sign your loan agreement to guarantee repayment. Remember that any defaults will damage your credit score and the credit score of the person who cosigned or stood for you. That’s a big responsibility that you have there. Some lenders will consider approving a low-income loan using the income proof provided by the cosigner.


Q. Can I Get a Loan If I am Unemployed?

A. Yes. However, you must have an excellent credit history to qualify for a loan with any lender. In addition, you must have a good credit score and an alternate source of income.

Q. How can I Get Money Fast When Unemployed?

There are a few things you can do to get money fast when unemployed.

  • Get organized and start gathering all of your financial documents together.
  • Start looking for part-time or temporary jobs that fit your skill set and can pay you what you’re worth.
  • Connect with organizations that can help you find a new job or develop new skills.


These are the 10 best apps that loan you money instantly without a job.Whether you’re in need of a small emergency loan or just want to borrow some cash for a bigger purchase, these apps can help.

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