Getting a loan without a job is one of those things that you might have thought was impossible only to learn that it was, in fact, entirely possible. The simple fact of the matter is that there comes a time in every person's life when they will need a little bit of financial assistance. For some people when this happens, they can simply fall back on the charity of a wealthy parent or family member. However, for millions of people, when tough times hit, there is nobody for them to fall back to.

In these times people on reliant on lenders to get emergency cash to make sure that ends meet. Now tough times will happen without any warning in many cases, and when they do strike, a person may happen to find themselves unemployed. After all, emergencies do not only occur when a person is fully employed.

So when you are without a job and emergency strikes, what can you do?

The good news is that there are several emergency lenders that will work with you when you are out of work. Some of these lenders are private while other times a person will have to rely on charity and church. Let's assume that you need a loan are out of work and you want to look at your options. Your first option should always be a secured loan which, in most cases, will be available whether you are working or not. These kind of emergency cash loans usually come at a pretty high price as far as interest rates go, so they are really only the type of things that you would want to use in an emergency.

The way this type of emergency loan works is that you use the value of something that you already own as a collateral deposit for the loan. The most common type of this sort of emergency lender is a pawn shop. If you have an item that has some value, such as a musical instrument or high end electronic, you can pawn it at a pawn shop and get a cash loan with the item as the collateral. Many pawn shops will loan an amount up to half the value of the item (and in some cases more than half). So, a pawn shop may be willing to loan you $250 for an electrician's tool set for instance. Typically pawn loans are for a term of 30 days so you will need to repay the loan plus interest within that time period or you will forfeit ownership of your collateral to the pawn shop.

If you have nothing of value to use as collateral and you are still desperate for a loan, you will probably have to turn to private charity or a church to lend you the money. Many times you can excellent terms from a non profit organization, however they may be less responsive overall as they are not making any money in the transaction. The point is that even if you do not have a job and need a loan, there are options out there. The last thing that you want to do is to give up.