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A Payday Loan Without a Job — Is It Possible?

Being unemployed is a challenging situation. If you don’t have a job along with the steady income it provides, it becomes difficult to feed your family and take care of the bills, let alone save enough to spend on yourself every once in a while. So is there a solution? Is there a place to turn for help? Are payday loans available when you don’t have a job?

Unfortunately, CashNetUSA and most other lenders won’t provide you with a loan if you’re unemployed. The reason is simple: In keeping with our principle of responsible lending, we won’t lend in cases where we deem repayment to be overly difficult. In order to successfully repay a loan, a borrower must have some cash flow. Though we don’t offer the following categories of loans, it’s possible you may also need a job to qualify for them: social security payday loans, disability payday loans and fixed income payday loans.

New Customers: Use Promo Code CASHNET50 on Your First Loan

Save 50% on the initial loan fee of your first payday loan or receive a 50% rebate on the interest or fees of the first two payments of your first installment or installment-payday loan, respectively. Promo code not valid for the CashNetUSA line of credit product.+++

What's Your Next Step?

There are several requirements you must meet to be eligible to apply for a CashNetUSA payday loan: you must have been employed for at least a month; you must have an active checking account; you must be a U.S. citizen or permanent resident; and you must be at least 18 years of age. We understand that having a job can be a difficult requirement to meet.

If you’re currently looking for work, don’t neglect networking. Ask friends, family members and neighbors whether they know someone who is hiring. It’s never a bad thing to inquire and talk to someone new. It’s also helpful to seek networking opportunities outside of your circles where you can meet people you wouldn’t otherwise get to know.


Back to Everything You Need to Know About Payday Loans

*CashNetUSA and third-party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CT Mon. – Thu. or by 7pm CT Sun.

CA residents: CashNetUSA California Finance Lenders License file no. 603 H010, DE residents: Licensed by Delaware State Bank Commissioner License #9546 Exp. 12/31/2014, OH residents: Ohio Credit Services Organization Certificate of Registration no. CS.900076.000.

**Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by CashNetUSA or third-party lenders.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.

†CashNetUSA or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity. If you have defaulted on past transactions, you may be declined for a cash advance from CashNetUSA.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans and extensions in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a Credit Service Organization to arrange a loan between you and a third-party lender, or (ii) in Texas, act as a Credit Access Business between you and a third-party lender.

+++If you are a Payday, CSO, or CAB customer, discount will be applied to the initial loan fee, CSO fee, or CAB fee, respectively. If you are an Installment or Installment-Payday customer, the rebate shall be calculated by multiplying the percent discount by the first two scheduled installment payments of your loan. However, the rebate shall not exceed the actual amount of accrued interest paid on the Installment loan or fees paid on the Installment-Payday loan. Rebate shall be paid via bank account ACH credit upon full repayment of the loan, and is contingent upon a minimum of two installment payments made. Discount not valid for the CashNetUSA line of credit product. Promotions are not available in all states. Please see your state's Rates and Terms for additional details. Unless otherwise specified, promo codes must be entered at the time of application, can be used only once, and may not be combined with any other offers or Preferred Member benefits.

1Must be 21 years of age for Mississippi residence and 19 years of age for Alabama and Delaware residence.

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.