Personal loan without income proof

How to get a loan without income? To borrow money without proof of income is possible. An unsecured income loan might not be the smartest thing to do if you have no proof of income, but if you really need the money now getting loans without income may be the only way out of a tricky situation. The most obvious path to take is to ask friends and family. Have you done this already then it's time to hit online payday loan companies or other unsecured loan companies. E.g. PersonalLoans, NextPaydayAdvance or SpeedyNetLoan.

Loans without income proof

It's also possible to opt for a borrow money without income proof loan. Check with companies such as PersonalLoans.com or CashnetUSA, where you can start the process online. You enter your personal information, possible proof of income you have (or not), how much money you need for how much time (this could be one business day) and the website will match you with someone who is willing to lend money to you in the personal loan network. Annual percentage rates are roughly between 6 and 36 percent.

Some Personal Loan Options

Lender Amount Type Cost Features Action
payday loans $500 to $35,000 Personal up to 35.99% APR Any Credit Score, easy online application Get a Loan
payday loans Up to $500 Payday Up to 230.08% Fast Cash. Simple Process. Instant Decision! Get a Loan
payday loans Up to $10,000 Personal Up to 36% Easy application, eligibility check won't affect your credit score Get a Loan
payday loans Up to $500 Payday Up to 782.14% Cash in 24h Get a Loan
payday loans Up to $1000 Payday Up to 391% Cash in 24h Get a Loan
payday loans Up to $1000 Payday N/A Instant Approval Get a Loan
payday loans Up to $1000 Debt Consolidation N/A Reduce Your Debt by 50% Consolidate Your Loans
payday loans Up to $1500 Payday & Title Loans up to 782.14% Approved in Minutes Get a Loan
payday loans Up to $1000 Payday 200% to 2,290% All Credit Welcome Get a Loan

    Getting a personal loan without income: is it possible?

    Getting a personal loan without income proof is possible and this is your "how to get a loan with no income" guide. There are lenders that will consider your application from you even If you do not have income at this moment, or if you are in a "need cash now no job" situation.

    If you would want to apply for a loan without income you are often required to provide a form of income or a collateral. Though in some cases not. Examples of loans that you can apply for without income include PersonalLoans.com, payday loans, in-store loans and even bitcoin loans.

    How to get a loan with no job: the basics

  • How to get a loan without a job? First, check this info about getting a joint application and taking a legal notarized loan with a friend.
  • There are many places to apply for loans with no job required such as PersonalLoans.com or CashnetUSA. No job loans are within reach as well thanks to lending services such Check Into Cash that grants a loan with a car as collateral.
  • What to pay attention to and be careful about such as the high interest rates.
  • Try a bitcoin loan. As they become more popular they could be available to you.
  • Visit a social bank if such bank is available in your area. They exist to help those in need.
  • Get a business loan. Starting a business without money is possible.
  • Offer work and get cash advance for the work. Or think about living a life with less.

Loans without income proof

    How to get a loan with no job: this is how it is done.

    There are a few options that are attractive and and smart that should be considered before you take a short term loan without income proof.

  • Try for a JOINT application. All you need is to talk to a friend, partner or spouse about your situation and start the process as two people. The entire loan will be on your name. The other person will be the cosigner and thus will share the responsibility for the loan's repayment.
  • Taking a LEGAL loan from a friend (with a simple notarized personal loan agreement). Go to this link and create your own contract. Then take it to a notary and you are done.
  • See the advice on our "I need money now" page. There are valuable tips regarding alternative ways of making a living that have been collected over many years and via many knowledgeable financially independent people.
  • Find a good pawnbroker which is a form of loan with no job required. If you have anything that has any value you could bring this to a pawn shop close to where you live. Pawn shops are really everywhere to be found. The great thing about these shops is that the risk you run is much lower than with regular loans. This is because you can't really make more debts. Here is how it works: you bring something that's yours and leave it behind in the shop. As an exchange you receive a loan. Bring back the loan including the extra cost and you get back your stuff. Are you unable to give back the money in time, than what was yours will be sold.
  • What you need to pay attention to and be careful about

    It is paramount that you are aware of the risks of taking any type of unsecured personal loan such as a prepaid debit card loan, payday loan, title loan or any of these. At best, they are toxic and therefore need to be taken seriously and treated with care.

    Please consider anything else other than such loans and only sign on the dotted line if you absolutely have no other option. What makes these dangerous propositions?

  • Companies that give out loans without income proof will take over your paycheck and your account. It means they will control your financial life.
  • Interest rates can reach 1000% a year and beyond if you rollover. Imagine taking out 100 dollars and having to pay $1000!
  • You will have to real close attention to fees and that can be time consuming and tiring.

  • Where you can apply for loans with no job required

  • Loans with no job verification may be available for you through PersonalLoans.com or CashnetUSA, where you might be able to get a loan without a job or income verification.
  • Get a car title loan. Companies such as Check Into Cash will loan you money if you have a car on your name. It is not to difficult to get approved and you don't need a job. However, you will still be required to have some form of income proof such as unemployment, Social Security, worker’s compensation, alimony, annuity payments, court settlements, a regular deposit from investments, inheritance in cash or property, severance pay, etc.
  • Consider these unsecured loan providers.

  • Loans with no bank account: it is possible to get one too.

    if you are one of the millions of Americans that do not have a bank account, you can still get a loan. here is how..

How to get a loan without income proof: a safety notice

You will be required to have some ability to repay even with loans that require no job or income proof, and this could mean having assets, proof of welfare payments, self-employment income or any other form of regular incoming payment. Some companies accept unemployment, social security, worker’s compensation, alimony, annuity payments, court settlements, a regular deposit from investments, inheritance in cash or property, severance pay, etc. Some alternatives to find loans with no job required and these are covered below. They are RISKY. Consider yourself warned.


Loans without income proof

    Loans with no job required: here are some options

    These are companies that could approve your application even if you don't have a job at the moment. There are many variables, such as municipal and state laws, that makes it impractical to point which one will provide you with a loan in your area.

    Lender Amount Type Cost Features Action
    payday loans $500 to $35,000 Personal up to 35.99% APR Any Credit Score, easy online application Get a Loan
    payday loans Up to $500 Payday Up to 230.08% Fast Cash. Simple Process. Instant Decision! Get a Loan
    payday loans Up to $10,000 Personal Up to 36% Easy application, eligibility check won't affect your credit score Get a Loan
    payday loans Up to $500 Payday Up to 782.14% Cash in 24h Get a Loan
    payday loans Up to $1000 Payday Up to 391% Cash in 24h Get a Loan
    payday loans Up to $1000 Payday N/A Instant Approval Get a Loan
    payday loans Up to $1000 Debt Consolidation N/A Reduce Your Debt by 50% Consolidate Your Loans
    payday loans Up to $1500 Payday & Title Loans up to 782.14% Approved in Minutes Get a Loan
    payday loans Up to $1000 Payday 200% to 2,290% All Credit Welcome Get a Loan

Loans without income proof

    Credit card without income proof

    One way to get a loan quickly is to get a credit card without credit checks. With Horizon Gold Card you can get a card with a $500 limit, guaranteed Approval, no credit or employment check. You could also investigate this thorough guide on how to get a prepaid debit card.

    Be aware of the interest rates and additional costs involved around this as it can easily become a problem down the line. You will still need to meet a variety of criteria:

  • Earn regular income. You don't have to have a job, but you have to have something coming in.
  • Your credit. Having somewhat of a positive credit history increases your chances of being approved for a loan without income proof.
  • If you have equity in a property, a paid off car or a boat, you increase your chances to be approved.
  • You cannot be member of the military. The government prohibits members of the military to acquire short term personal loans.


Loans without income proof

    Social banks

    Besides friends and family there are so called social banks, also known as ethical banks, sustainable banks and so on. They are available in many countries as you can see on this list. If you have this possibility, go for it. Social banks look at your personal situation and sometimes allow to borrow money to buy new things, such as a washing machine, a TV or furniture.

    Social banks located in the United States

  • Urban Parnetship Bank, located in Chicago
  • RSF Social Finance, located in San Francisco
  • New Resource Bank, San Francisco
  • City First Bank, Washington, DC
  • Spring Bank, New York
  • Beneficial State Bank, with locations in Sacramento, East LA, North Hollywood, Fresno, Bakersfield, Santa Rosa, Porterville, and Visalia, as well as Portland, OR and Seattle, WA.

    Bitcoin loan without verification

    A bitcoin loan could also be good alternative. You can even get free Bitcoin online. Some companies also provide quick bitcoin loans without verification and this page talks about it.

    Get a bitcoin loan: here are some options.

  • BTCpop.co
    This is a well known online marketplace to apply for loans in Bitcoin, offering instant Loans, investment pools and collateral loans.
  • nebeus.com
    Another P2P bitcoin loan place. You can get a loan right from your phone. They have a bitcoin wallet and exchange and a well designed interface that is liked by users.
  • bitbond.com
    Here you can get small business loans in Bitcoin, available in many countries around the world. It is not that easy, but it is a highly credible bitcoin loan institution.

Loans without income proof

    Cheap loan without income: borrow from a friend

    To borrow money from friends may really be one of the cheapest loans you can possibly get, especially if you choose to borrow from friends or family. It's very important to make clear agreements about how you will pay off your debts, e.g. the time and the amounts. You don't want your friendships to suffer or that a loan will lead to a fight.

    I personally have been in a situation without income when I suddenly needed money. I didn't have any income and no money, so suddenly I had to change my situation when the rent had to be paid and a baby was on its way. I needed a new source of income, started my own business but I needed time to bridge the period in between. I already had some work but not enough income yet.

    So I decided to borrow extra money with a friend. I know the period was going to be short so I took the risk to borrow money without income. I was several months late with my rent and a credit collection agency was on my tail. Thankfully I had a friend who was willing to lend me hand.

    Of course there may be some risks involved of borrowing from friends. You may even loose your friendship if you don't pay back your loan. Therefore it is important to follow a few rules:

  • Put your agreements down on paper. If you can't make a specific commitment don't wait to talk about it. Often there's understanding for your situation and it's possible to adapt made agreements such these which are free to download.
  • Notarize the loan agreement and make it official. You must take responsibility for your debt and handle it with even more care. You don't want to ruin a friendship.
  • A golden tip is to set clear agreements ahead and put these down on paper. Every time you pay off a part of your debt it's important to both register this on paper. Create a schedule for redemption payments and every time a part of the debt is paid back you can both put your initials.

Loans without income proof

    Borrowing money and debt

    If you're in debt you should stay in control. But don't avoid it. Debt can quickly increase and before you know it you think you should borrow more in order to pay of debt. Don't panic and things are gonna be alright. Here are some tips for you:

  • Visit your local credit union. These are amazing financial institutions that have your back and tend to be much more flexible.
  • Check out some more tips on Moneyless.org and find out about how you can live well without money!
  • Look at this report by John Oliver on Last Week Tonight on what is called "predatory lending". This is a fair warning!

Further reading

Further reading

I need money now

3 months late with rent? Perhaps your car broke down and you cannot easily get to work which is making things worse? You don't have any money for groceries? "I need money now!" is what you must be silently screaming inside your head. The first and most important thing is to calm down. First of all, we have some great tips on how to get food without money.