1. If you don't have a job, you can get a loan as long as you have a fixed income. For example, individual industrial and commercial households can choose the loan products of lending institutions, and borrowers can borrow as long as they have a business license, apply for registration and operation for more than one year, have a good operating flow and a good credit record;
2. You can use houses, cars, etc. as collateral;
You can ask others for a guarantee, and then apply for a loan.
That's it. Can I get a loan without a job?
Is a credit loan a secured loan? Credit loans are not secured loans. Credit loan is a loan that the lender applies for with personal credit. Without collateral, there is no need for a third-party secured loan. A secured loan requires the intervention of a third party to provide legal liability guarantee for the borrower. Because credit loans generally pay more attention to the borrower's credit qualification, as long as there is no record of non-performing loans on the borrower's credit report, there is no problem in the general loan application. Of course, the final loan amount may be different for different people, and generally speaking, borrowers do not need to spend too much time. After submitting the application online, the results will be available as soon as the same day. The secured loan is different, because there is a third party involved in providing the guarantee, and the lending institution needs to audit the qualifications of the guarantor in addition to the qualifications of the borrower. Therefore, the whole loan process takes a lot of time, which is more inconvenient than credit loans.
Can I apply for a loan with a loan? Even if there is a loan under my user name, I can still apply for a new loan. Banks and licensed consumer credit institutions do not require users to apply for only one loan at the same time. As long as there is no overdue behavior when repaying the loan or other loan products under the user name, you can maintain a good personal credit, provide sufficient economic funds to prove that the individual has the ability to repay the principal and interest of the loan, and the personal debt is not high, so there will be no borrowing for many times, and the credit investigation will not be "spent", then the loan can usually be successfully handled. This article is mainly about the knowledge of whether you can get a loan without a job, and the content is for reference only.