Best Guaranteed Loans for the Unemployed

Andrew Reyes
A businessperson holding money.

Unexpected financial obligations can arise at any time. Whether you’re faced with unforeseen medical bills or vehicle repairs, personal loans from fast-acting lenders can help borrowers secure necessary funding in a pinch.

Before approving loans, many traditional lenders will dive deep into a consumer’s financial history, credit records, debt-to-income ratio, and other factors that can influence a borrower’s ability to repay a loan.

This check into a consumer’s fiscal aptitude is a part of many lending partners’ standard loan process, and it can render it difficult — even impossible — to secure a personal loan when it’s most needed.

Fortunately, many quality options remain that allow unemployed borrowers to secure funding on a timely basis.

Table of Contents

Instant Loans for Unemployed People

Consult the lender options below, to identify an ideal lending partner or network that can help you spend money in the ways you want.

After filling out a single online form, unemployed individuals can secure a personal loan as high as $10,000 from offers all borrowers complimentary access to their comprehensive lender network, where unemployed borrowers are regularly paired with quality lending partners to help them satisfy a wide range of personal projects.

Whether unemployed individuals are looking to consolidate debts, address unexpected medical bills, or complete a home renovation, lending partners available through make it simple for you to secure the funding you need.

As long as you are at least 18 years of age, and earn a steady income of at least $1,000 per month after taxes, you’re likely eligible to receive the funds you’re looking for.

  • Loan amounts: $500 to $10,000;
  • Annual percentage rate (APR): 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Learn more about CashUSA today.

As soon as the next business day, helps you obtain the financing you need to cover life’s expected and unexpected challenges. Borrowers enjoy complimentary access to a comprehensive network of available lenders through, to obtain up to $10,000 in personal funds when necessary.

As soon as borrowers qualify for a loan through, they’re subject to a no-hassle loan approval process. You’ll only need to review and accept loan terms before funding is on its way to your bank account.

And as always, all correspondence between representatives, lending partners, and borrowers is entirely encrypted.

  • Loan amounts: $500 to $10,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Learn more about today.


With Payoff, eligible borrowers can check their rates — and take steps toward obtaining up to $40,000 in personal finances — in as little as three minutes. Especially for unemployed individuals looking to consolidate debts into a single payment, Payoff loans help you pay off balances without compromising your financial future.

Payoff is committed to the long-term financial health of its borrowers. That’s why they do not hamper consumers with late payment fees; instead, they offer an easy credit repayment system that helps borrowers systematically raise their credit scores through on-time payments and reduced total debt.

  • Loan amounts: $5,000 to $40,000;
  • APR: 5.99% to 24.99%;
  • Loan terms: Two to five years.

Learn more about Payoff today.


Characterized by low interest rates and flexible terms, loans through Prosper can help unemployed individuals secure the funding they need, when they need it. You’ll have the capacity to obtain up to $40,000, sent straight to your bank account after you review and accept loan specifics.

Prosper offers next-day payments, but they allow you ample time to repay original loan amounts. Obtaining a loan through Prosper means you can repay at your own pace, with flexible three and five-year loan repayment plans designed to provide you maximum control over your finances.

If you want to pay the loan back ahead of schedule, you can do so without any extra prepayment fees.

  • Loan amounts: $2,000 to $40,000;
  • APR: 7.95% to 35.99%;
  • Loan terms: Three to five years.


If you need cash now, OppLoans is an ideal lending partner for unemployed people. You’ll have the ability to secure up to $4,000 in cash as soon as the next business day through a loan application process designed to minimize hassle and reduce stress.

Once you’re approved, you’ll only need to accept loan terms before funding arrives in your bank account.

OppLoans has helped more than 500,000 individuals secure the cash they need, on their schedules. No matter your employment situation, OppLoans is ready to help Americans obtain credit fast. And when you need to talk to a real person, the OppLoans customer service department is ready to hear your questions, concerns, or comments.

  • Loan amounts:  $500 to $4,000;
  • APR: 59% to 160%;
  • Loan terms: Up to two years.

Learn more about OppLoans today.

OneMain Financial

For more than 100 years, OneMain Financial has offered personalized loan services to individuals experiencing difficulty securing a loan from a traditional lending partner.

Once you apply online and qualify for a loan through OneMain Financial, you’ll be offered reasonable loan terms that feature fixed rates. No matter the repayment plan you agree to, interest rates and fees won’t change over time.

Rather than offer you a pre-packaged loan, OneMain Financial is committed to tailoring solutions to individual borrowers. You’ll be paired with a loan specialist who will personally review loan options with you, in light of your situation. After you review and accept the loan, you’ll receive the money you need promptly.

  • Loan amounts: $1,500 to $20,000;
  • APR: 18% to 35.99%;
  • Loan terms: 24, 36, 48, or 60 months.


To date, Avant has helped more than 1,500,000 individuals — many of whom have experienced challenges in obtaining financing — secure loans when they need them. In as little as 24 hours, qualified borrowers can obtain a personal loan of up to $35,000.

After funding is deposited into your bank account, you can review and manage repayment details through Avant’s easy-to-use personal loan account mobile application.

Obtaining a loan through Avant also means you’ve become a valued customer. You’ll have access to personalized customer service whenever you need it, whether you’re looking to discuss loan terms, troubleshoot online payments, or simply talk through financing options.

Unemployed individuals will have between two and five years to repay loans, with flexible APR rates that allow you to make simple monthly payments.

  • Loan amounts: $2,000 to $35,000;
  • APR: 9.95% to 35.99%;
  • Loan terms: Two to five years.


Eligible unemployed borrowers can secure funding through Upstart in as little as five minutes, thanks to a quick approval process that could put money in your account in as little as one business day.

Whether you’re moving, remodeling the bathroom, paying off medical expenses, consolidating credit card debts, or funding a wedding, loans through Upstart help you spend money in the ways you want.

You’ll be able to secure up to $50,000 in next-day funding, after reviewing and accepting loan terms. Upstart offers loan repayment windows of three and five years, giving you all the time you need to repay the loan itself. And with no prepayment penalties, you can pay off loans at a more accelerated rate without any extra fees.

  • Loan amounts: $1,000 to $50,000;
  • APR: 7.86% to 35.99%;
  • Loan terms: Three to five years.

Not a lender in itself, offers unemployed borrowers access to their network of lending partners. You’ll be able to submit your information and request a loan in a matter of minutes. After accepting loan terms, unemployed borrowers can see funding arrive in their bank account in as little as one business day.

No matter the occasion, helps you obtain the funding you need, whenever you need it. They prioritize a transparent loan process from your request through fulfillment, one without any hidden fees, upfront costs, and overall obligation.

And as always, you’ll be able to thoroughly examine loan terms and ask questions of your potential lending partner before accepting any loans.

  • Loan amounts: $500 to $35,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Learn more about today.

What Is a Guaranteed Loan for the Unemployed?

Because a majority of traditional lenders perform extensive checks into a borrower’s financial records, it can be difficult, even impossible, for unemployed individuals to obtain personal loans when they need them. The best loans for the unemployed help to shift this trend, pairing unemployed consumers with high-quality loans when necessary.

No matter the reason why a personal loan is required, guaranteed loans for the unemployed can help any unemployed person secure funding as soon as the next business day after a successful loan application.

Lending partners help to deliver the funding you need straight into your bank account, for personal use according to your needs. Generous repayment windows mean that consumers who secure a guaranteed loan have ample time to repay owed balances.

How Do Unemployed People Get Guaranteed Loans?

Unemployed borrowers looking to secure a guaranteed loan only need to adhere to the following, simple steps:

  1. Identify the ideal lending partner for you, from the above options.
  2. Answer a few questions about the purpose and size of your requested loan.
  3. Submit your loan application online.
  4. Once approved, review loan terms from potential lending partners.
  5. Accept loan terms and sign your agreement.
  6. Receive funding, sometimes as soon as the next day.

Guaranteed loans are often subject to higher-than-average fees and interest rates. Borrowers looking to minimize interest rates and secure better loan terms should look to improve their credit scores.

Regular, on-time payments can help consumers reduce total debt and improve payment history, two of the largest influences on underlying credit score.

How to Find the Best Guaranteed Loan Provider for the Unemployed

Lenders and lending partners that routinely offer the best, guaranteed loans for the unemployed are typically characterized by similar attributes. Look for a lender that offers a responsive customer service department.

Whether you have a question about a payment or your loan terms, a quality customer service department allows you to speak with a real person about any questions or concerns you may have.

Borrowers should also seek out lenders that offer fixed rates. When consumers accept loans with fixed rates, interest rates are guaranteed to stay the same for the complete duration of the loan.

Locking in a low, fixed interest rate from one of the best, guaranteed loan providers for the unemployed can help you obtain the funding you need without compromising your financial future.

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