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Financial problems are universal and they don’t choose between people who have sufficient cash and those who are almost broke. When it happens, it can befall anyone. If you don’t have a regular income or are in self-employment, getting no income loans could bring a lot of relief. Although this type of loan is not new, most lenders have shied away from offering these loans due to high default rates.

There are still lenders who can offer you a loan without asking for some proof of a regular income. However, it may take you a lot of time before you find a genuine institution that can approve your application without demanding income records. But through Nation 21, you can get several types of loans to help you get through a rough financial time.

Applying does NOT affect

your FICO® credit score!

How do no income loans work?

Getting a loan without a stable source of income may not be a great idea and it may drive you into deep debt. However, if you are out of other options this could be the only thing that can help you get the cash you need.

While it’s possible to get a loan without proof of any income, you’ll need to take a different channel from traditional lenders. The possibility of accessing from a bank credit when you don’t have any income is almost zero. But as long as you meet the requirements set by a lender, you can get approved in a short time.

The amount of money you can get depends on the lender and sometimes you can choose to be funded in phases. However, it should be clear that most of these lenders get the money from their investment funds. The main advantage here is that your income history is not scrutinized but you will have to compensate for that by paying high fees and interests.

Even when you’ve been self-employed for a long time, it’s possible to get funded through this loan. But for you to qualify, you must be having a spotless credit history that assures your lender of some level of safety.

The alternatives

There are different options to get money when you don’t have much or any income. But before you can be approved, it’s important that you meet the eligibility criteria.

Most lenders want to see if you can afford to pay back the borrowed money. Providing some bank statements may work with some lenders but you can also offer proof of regular deposits to your account. A few documents indicating regular tax returns can also work well if you are in self-employment.

If you reside in a state where title loans are allowed, it’s possible to get a loan against your car. Most lenders will assess the value of the vehicle before quoting the amount you can get. Depending on the state of your car, some lenders offer up to $50,000. However, you should be ready to forego the vehicle should a situation arise making it impossible to service the loan.

As Americans embrace plastic money more and more, there have emerged companies that focus on offering credit cards to people with no income. In fact, there is a company offering a $500 card without employment checks or credit score checks. If you consider this option, it’s good to first check the interest rates and fees so that you don’t land in a financial maze.

If you have some valuable items in your house, you can visit a nearby pawnshop for some cash. Pawnshops work by holding onto your valuables while they give you some cash. The downside of this form of lending is that they’ll only accept high-value items like gold or diamond jewelry and high-tech devices. In addition, you’ll only be able to get a small portion of the real value of your item and if you don’t pay by the agreed date, then you forfeit the item.


It’s not easy to get a loan when you don’t have a job or a source of income. But you can break away from conventional lenders and get no income loans from lenders that have loan products to suit your needs. But as with all borrowing, you must be certain that you can service the loan to avoid additional financial hardships in the future. Nation 21 understands that customer needs are varied and that’s why we focus on helping you get a loan depending on your needs.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?