- Apply for unemployment insurance right away. It is the biggest source of income most people have after a job loss.
- SNAP can be expedited within 7 days for households with very little money.
- Some lenders accept unemployment, Social Security or disability benefits as income.
Start with these
| Help | What it does | How to get it |
|---|---|---|
| Unemployment insurance | Weekly or biweekly payments while you look for work | Apply with your state’s unemployment agency as soon as you lose your job |
| SNAP (food benefits) | Monthly food money on an EBT card; can be expedited within 7 days | Apply with your state SNAP agency |
| Medicaid | Health coverage based on current income | Apply through your state or HealthCare.gov |
| 211 and local charities | One-time help with rent, utilities and food | Call or text 211 |
| Utility hardship programs and LIHEAP | Help with energy bills | Ask your utility and your state LIHEAP office |
Can you get a loan while unemployed?
Most lenders need regular income, but it does not have to be a paycheck. Many accept:
- Unemployment insurance payments
- Social Security, SSI or disability benefits
- Pension, alimony or child support
- Self-employment or gig income
Unemployment benefits are temporary, so lenders may offer less, and you should only borrow what you can repay before your benefits end.
A payday loan repaid from your next unemployment payment can leave you short for rent. If you are borrowing to cover basic living costs every month, talk to a nonprofit credit counselor instead.
Lower-cost options
- Credit union PALs, capped at 28% APR
- Hardship programs from your lenders, landlord and utilities
- Pawn loans, if you have something you can do without
- More ideas in 12 ways to get emergency cash
Tried the free options first?If you still need a small short-term loan, you can send one request to our lender network. Compare the cost carefully.
See loan optionsFrequently asked questions
Can I get emergency cash if I am unemployed?
Start with unemployment insurance, expedited SNAP and local assistance through 211. Some lenders also accept unemployment or other benefit income.
Can I get a payday loan with no job?
Some lenders accept benefits such as unemployment insurance or Social Security as income. You will usually need a bank account and proof of those payments.
How fast can I get food assistance?
Households with very little income or money can get expedited SNAP benefits within 7 days of applying.