Can you receive that loan with no employment? Then the answer is yes: you do not have to have a job that provides you a regular paycheck if we are talking about taking a loan with a bank. Some collateral such as your car, or another person that will cosign the loan for you with that said, you need to either have a source of income of some kind. They are the only real realistic options to get financing with no employment. But, there are better options with friends, startup funds, imaginative collectives, social banking institutions among others that – if you investigate further – provides you with over another lifeline. They could lift you away from poverty.