Loans for unemployed people.

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Fast 3 to 36 month online loans.

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100% No obligation loan quote

Accept and get your cash in 15 minutes

We don't charge any fees, ever!

We don't credit check*

Can I get a loan if I am unemployed?

If you are unemployed and need to borrow money, there are, unfortunately, limited options. Most mainstream lenders will require that you are in either full or part-time employment for them to consider your application. Some lenders may also have certain minimum income requirements. All is not lost though, as many lenders will consider an application for loans for the unemployed. If you can display that you are able to afford the scheduled repayments and that the income you receive from benefits will be guaranteed for the duration of the loan, your application may be considered.

How we compare

Why use us?
How much can new customers borrow?
Up to £5,000
No fees, ever!
What are the repayment terms?
3 to 36 Months
No paperwork
Representative APR
49.9% (variable)
No obligation quote
Can I apply with bad credit?
Instant decision
Can I repay in instalments
Flexible repayment
Do we credit check?*
No credit footprint

Unemployment loans are not available from every lender so it is important that you read up on the eligibility criteria for your chosen lender. At New Horizons, our partner works with a panel of lenders who specialise in providing loans to people in a variety of circumstances. If you choose to apply, they can guarantee that you will be able to get you an instant decision on your application and ensure that lenders soft search your application. This means that there will be no impact on your credit file, as the credit search won’t be seen by any other lenders.

How quickly can I get a loan?

Short term loan lenders have streamlined their application processes in recent years to ensure that their customers are able to get access to funds when they need them, especially in times of emergency. If you are able to display that you can afford the loan and the lender accepts your application, you could receive the money in your bank on the same day.

No Credit Check Loan


Find your best rate loan without needing an initial credit check.*

‘Soft Credit Match’ technology matches your profile to over 50 Financial Conduct Authority (FCA) approved loan companies without leaving any mark on your credit record.

With no obligation & no cost – it’s the best way to find a loan with no credit check.*

Get Your CreditMatch

Will I need a guarantor to be approved for an unemployed loan?

If you want to apply for loans for unemployed, it is possible that you will need to have access to a guarantor, who can co-sign the loan. This can be a family member or a friend who has a good credit history. Not all lenders will require this, however. If you are in receipt of permanent benefits, they may still consider you for an unemployed loan no guarantor.

If you are struggling with your debts and require assistance. You can speak to the companies below, free of charge.

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