We’ve been getting many of these personal loan applications coming through from people who are unemployed and between jobs.
They all have one thing in common – they’re all looking for legit lenders who will consider their loan application regardless of how bad their credit score is a the time.
Unfortunately, we have never seen an unemployed applicant get approved for a personal loan – especially now with the economy being so bad and lenders being so unwillingly to loosen up their purse strings and approve consumer lending again.
The only way you could get a loan if you are unemployed is from a family member. That’s about the short of it.
Even private lenders won’t consider a GOOD credit score borrower without a steady income. Part time employment is also not considered an “acceptable risk” in the eyes of the banks. Not unless there are many factor involved (like security collateral).
We have to say that this applicant did not get approved. It’s pretty well a lost cause trying to get approved for a loan when you don’t have a full time job. Regardless of the decline on the app, we included the submission here anyway for informational purposes.
$5000 Unemployed Personal Loan – The App
Loan Amount :: $5000 (Applicant is Unemployed)
When do you need this loan to be deposited by? :: I need this loan approved by the end of the week, so three days please.
What do you need this loan for? :: I need this loan just pay the bills. I recently lost my job and I just need this 5ooo loan to keep the lights on for a month while I get another job. It’s been really hard to find any lender that will qualify me for a loan because I am unemployed. Pls help.
What District, City/Town, and State you live in? :: Monterey Park, Los Angeles, California
Zip :: 91755
What is your employment field? :: I worked for a bookkeeping company over in the Baldwin Park area, and I have also worked for another company over in Glendale. I have been doing books professionally for 5 years, and because of the bad economy people like myself are getting laid off more and more frequently.
Employment Position :: I’m unemployed right now but when I have a new job, my job title will surely be bookkeeper.
When are you paid? :: Not paid right now because I don’t have a job.
How did you find us? :: Search in Google
Bank Name and Branch :: Guaranty Bank of California – West Garvey Avenue Branch
How are you paid? :: Most companies I work for pay me every two weeks. No job right now, but when I’m employed I’m sure it will biweekly again.
Gross Amount Per Paycheck :: I’m usually always paid around $1250 each check.
Do you agree to have this information published online w/o your personal info? :: Yeah – go ahead – whatever.
Unemployed Personal Loan in Monterey Park – Applicant Provided Information
Any extra information here please :: There lots of payday loans available in Los Angeles, but I don’t want to go there. It’s a total burn in my books, and I don’t want to stoop that low. I know I might have to in the long run because I’m unemployed, but there must someone who will approve a bad credit loan in the Monterey Prk area o L.A. There just has to be don’t you think? I understand that getting approved for a loan with no verification is almost impossible, and if I did get approved the interest rates would be stupid big. So what can I do? If you don’t grant me the loan, do you know of any other lenders in Los Angeles that might give me a small cash loan even though I don’t currently have employment?
Note to Lender :: I’ll be around all day today, because I don’t have any job interviews, so if you could call my on the phone to discuss this loan that would be great.
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