Having no traditional job does not always mean you have no income. Lenders mainly want to see a regular, verifiable source of money that can cover repayment.
Income that lenders may accept
- Social Security or disability benefits
- Unemployment benefits, where regular payments are verifiable
- Pension or retirement income
- Self-employment or gig income with bank records
Each lender sets its own rules, and approval is never guaranteed. Our guide on a loan on benefits income explains how this works.
What to prepare
Have recent bank statements, benefit letters or pay records ready, along with a valid ID and an active checking account.
Think about repayment first
A payday loan must be repaid in one payment on your next deposit date. If your income is irregular or uncertain, that can be risky. Read what happens if you cannot repay before you borrow, and compare alternatives such as community aid or a payment plan.
Check Your Options Online
Fill in the secure form below. You will see the lender’s costs and terms before you accept anything.
Disclosure: CredQualify is not a lender and does not make credit decisions. We connect applicants with lenders in a network. Loan amounts, rates, fees and terms vary by lender and state, and funding times depend on the lender and your bank. Payday loans are expensive, short-term credit and should not be used as long-term financial solutions. Read the lender’s terms and see our Rates and Fees page before you accept any offer.