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When you need money but you don’t have a job, your options are very limited and the amount you can have is relatively small unless you provide collateral to secure the loan. However, if you only need for a short time, you can try the unsecured loans found online.
Quick Cash For Unemployed
One of the loan options you have when you have no job is payday loans. This kind of loan is quick and easy to acquire and although it’s normally intended for borrowers who can provide a paycheck, some lenders may still assist you.
However, like other loan alternatives, you have to provide some sort of income, such as something from self-employment, benefits, pensions, and the like.
How To Get Money Without A Job?
Every payday lender has its own loan procedure but basically, it has three steps to follow:
Submitting An Application Form Online
When it comes to borrowing from an online payday lender, they stand out by providing a convenient way to borrow. All you need is to fill out a 5-minute application form online with necessary personal and financial details such as your name, employment information, income, and bank account details.
Get Approved Quickly
Once you’ve submitted your application form, it will be verified immediately and you can know the decision of the lender in just a matter of hours. Payday lenders do not conduct a credit check and even if they do, they only use it as part of the process; however, it will not affect their decision.
Getting Your Cash
The purpose of your bank account is because is this: once your application is approved, the lender will transfer the fund directly to it, so there’s no need to visit their physical office anymore. You can just withdraw the cash anytime you want. Also, you can grant them access to your bank so they can deduct the loan payment automatically on its due date.
If you’re looking to borrow money, you’ll find that most banks take a long time to process applications. This is because they have to manually pore through applications before deciding whether to grant approval or not. This makes them less ideal when it comes to situations where you need access to money fast.
Tough lending criteria
In addition, it’s also a fact that banks are likely to put in place some very challenging rules and regulations concerning borrowing. They’d want to carefully screen borrowers and only let through those with the means to pay them back. This is why if your credit score is bad, it would be even more difficult for you to get a loan approved.
You can refer to payday lenders if your need for money is dire. They are known for offering small loans where the term is on your next payday. Their quick processing makes them ideal for those that need a loan fast. They do not pay much attention to the borrower’s credit score too, only his ability to pay them back. But they do charge sky-high interest rates, which is a real downside.
You may also refer to direct lenders online. Compared to banks that have to get loan applications manually checked and assessed, online lenders use new technology and modern algorithms to assess whether an application meets their criteria or not. Some can offer same-day approval and funding. Others can even get applications processed, approved, and funded in just a matter of minutes.
Lenders of this type welcome even those borrowers with bad credit scores too. As long as you have a steady income or you can show proof that you are regularly employed and can afford to pay the loan back, they’d be happy to grant approval.
It is also easier to get a loan approval when you borrow a reasonable amount and go for an equally reasonable term. It is even easier to get approval if you have a guarantor or if you will present collateral, especially if your credit score is not particularly impressive.
How Do I Apply?
Fill The Form
Start your application by providing your information. Complete an online form to proceed.
match with lenders
We find available lenders that offers the loan that you need.
Lenders accept your form
Once you have completed the form, lenders review your application.
Get a loan
Results will be posted in minutes. Once approved, you get the funds directly to your account.
What We Offer
Long Term Loan
Bad Credit Loan
Frequently Asked Questions
- Must I Have a Guarantor?
- How Do I Apply?
- What's In It For Us
- How Long Does It Take To Get Paid Out?
- What Products Can You Help Me With?
- What Happens If I Lie On My Application?
- What Happens If I Miss Payments?
Must I Have a Guarantor?
In most cases, lenders would require borrowers to provide a guarantor if their credit is not good. Since unsecured loans are only backed by the borrower’s creditworthiness, the risk is higher. However, if your credit is good, lenders would be okay even without a guarantor present.
How Do I Apply?
All you need to do is to click “Apply Now” and follow the instructions provided. You will be asked to provide your information on a form available at the lender’s website. Once you have filled up the form, send it back to start your application. It would only take minutes for you to complete the process.
What’s In It For Us
Having access to instant cash transfers includes a lot of perks. Imaging dealing with an emergency and without cash, things could go from bad to worse. Whatever situation you’re dealing with, using this service has its advantages. Got into an accident? Get a loan and have the funds you need instantly. Got stuck somewhere? All it takes is a push of a button.
How Long Does It Take To Get Paid Out?
The entire process would only take at least 15 minutes. Once you’re approved for the loan, the funds you have requested will be deposited to your account instantly. There’s no need to wait hours to get the funds you need. It’s fast, simple, and highly reliable.
What Products Can You Help Me With?
We’ve got plenty of options for you to choose from. We have a wide range of loan selections that are perfect for any occasion. Whether you want to apply for a payday loan, personal loan, or even short-term business loan, it is readily available for you. All you need to do is to press “Apply” to get started.
What Happens If I Lie On My Application?
It is not recommended to lie on your application. Lying would result to serious consequences. Once a lie is caught, the lender has the full right to reject your application entirely. You may also face criminal charges if you’re caught falsifying documents or taking someone’s identity.
What Happens If I Miss Payments?
We understand that things could happen that prevents you from paying on time. If you find yourself having problems with your repayment, reach out to us to find more convenient ways to deal with your debt. Refusing to pay your loan would severely affect your credit and may cost you additional fees and charges.
We Have Made Easy For You
Our platform is guaranteed safe and secure. So you don’t have to worry about having your information online. We make sure that your personal data stays safe over the internet, 100%!
Paid Into Your Account
You don’t have to visit banks or lending centers just to get your money. Once your application has been approved, the funds you requested are immediately and automatically deposited to your checking account.
Is your credit keep holding you down? Not anymore. Applying for an unsecured loan such as payday loans require no minimum credit. As long as you can pay off the loan on time, your credit problem is not a problem.