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If you are currently without a job, but still need to buy a car, paying more upfront with the down payment can strengthen a loan application’s chances of approval. But it doesn’t necessarily have to be income from an employer. They’re offered by banks, credit unions and online lenders. The appearance that you're living off your credit cards doesn't send this message. However, trying to get a loan when you are jobless is quite a hard task. That shouldn’t worry you, though, as you can still find a lot of lenders who can offer you a loan without checking your employment status. Therefore, if you are looking for ways to get emergency loans with no job, then you are in the right place. The 7 Best way to loans without a job. Traditional financial institutions will have a problem if you have a bad score. If they extend a loan offer you want to take, you'll have to become a credit union member before the loan is processed. 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