If you are unemployed and need a loan, there are a lot of apps that loan you money instantly without a job, and you can work to get back on your feet before paying back the loan. You might be wondering how that can be possible. Most of these loan apps are funded by the government or philanthropists to cater to people who have lost their jobs and are looking for such opportunities.
Today, I will review some top apps that instantly loan you money without a job. Even though you are unemployed, you can still access these loan opportunities with guaranteed approvals. Sometimes, one can be so down financially, especially when searching for a job.
Don’t freak out if you are currently unemployed and need a loan. Here are the top online loan apps that can loan you money instantly without a job, from $50-$5000, even if you are unemployed. These unemployment cash advance apps are very reliable and trusted all over the world.
Top 10 Apps That Loan You Money Instantly Without A Job 2025
If you are unemployed, the best online loan apps that can loan you money instantly without a job include;
- Klover
- Brigit
- Solofunds
- Chime SpotMe
- MoneyMutual
- Grain
- Earnin
- MoneyLion
- PayDay Loans For Unemployed
- Possible Finance
These apps are what you can download and keep on your phone for cases of emergency. I’ll go into details to explain each and everyone of them for your understanding. Just pay a close attention to individual benefits that they have to offer you before making a choice.
1. Klover
Klover is one of the best loan apps that loan you money instantly without a job. This app is available on Google Playstore and Apple iOS. You don’t need to be employed to qualify for a loan with the Klover loan app.
With Klover, even when other loan apps have refused to offer you a loan, you can still stand a chance and get an unemployed loan of up to $250 and pay it back within a good repayment tenure.
2. Brigit
Brigit loan app is best known for giving instant cash advanced loans without a credit check. With the Brigit loan app, you can get an instant loan up to $250.
This loan can also be issued to employees, and you will pay it back on your next payday. The app has very competitive low interest rates compared to some of its competitors. It can also help you to build your credit score. By taking small loan amounts, you can comfortably return on time multiple times and boost your credit scores.
Brigit loan app is available on both iOS and Android smartphones. You can visit their website for more information on how to get started with instant cash advanced loans for the unemployed.
3. SoLo Funds
Solo Funds is one of the best loan apps for employed, unemployed, served, and underserved borrowers in the United States. This online loan app allows community activities. Members can place a request for a loan amount of up to $5000 while other community members can fund the loan based on certain terms and conditions.
With this app, even though you lost your job, you can still request a loan and get approval as far as the community finds your request worthy and chooses to grant it. This is one of the best loan apps for the unemployed in the U.S.A. today.
Read Also: Best Peer To Peer Lending Apps
SoLo funds loan app is available for both iOS and Android devices for download on the respective app stores. It also does not require any boring paperwork or documentation.
4. Chime SpotMe
The Chime SpotMe product comes bundled with the popular Chime banking app. This app is one of the most popular in the United States. With Chime, you can get a savings and checking account, and with the checking account, you can afford an overdraft to the sum of $200.
The Chime SpotMe product allows you to spend what you do not have on your Chime account balance. For example, I bought a shoe worth $220, and I’ve just $20 left in my Chime checking account, and I tried to pay. With the Chime SpotMe, my transaction would be successful, but I’m left with a negative balance of $200 to pay back.
This does not require any credit check, nor is it a feature only for the employed. The unemployed can also get this opportunity with the Chime SpotMe feature.
5. MoneyMutual
MoneyMutual, as the name implies, isn’t just a loan app. The platform serves as an intermediary between top lenders and borrowers. They connect you with lenders who are willing and capable of lending you money to pay back anytime.
This platform is built with trust that does not discriminate against those who qualify for a loan and those who do not. To get started with MoneyMutual, You’ll need to go to their website and continue by selecting your state to see available lenders.
6. Grain
Grain has made a good name for itself. Thanks to it excellent algorithms which rely on all your checking accounts to determine your creditworthiness instead of relying on the so-called credit score. This makes Grain one of the top apps that loan you money instantly without a job.
Grain offers you a digital credit card that you can use to spend money on the internet and move money to any physical bank account. With Grain, even without a job, you can access loan amounts of up to $200 from the comfort of your home.
The app algorithm would check all your checking account inflows. Good inflows in the previous 3 to 6 months would qualify you for an instant loan without a job.
7. Earnin
Earnin is a payday advance cash app for both employed and unemployed. This app is very unlikely compared to others; it pays you whatever amount you are expecting on a payday day ahead of the actual payday.
Earnin is very popular in the States and well respected because it is one of those good apps that loan you money instantly without a job.
With Earnin, you can be unemployed and still get advanced pay. If you get an Earnin account and use it as a freelancer or service provider to receive your hard-earned money, and for many reasons you require emergency cash, you can use Earnin to request a cash advance before the date comes by.
8. MoneyLion
Just like Earnin, MoneyLion also gives you access to the money that you’ve earned 2 days earlier, even before you get the money. MoneyLion generally helps you save, invest, and borrow money.
MoneyLion has a special product that allows customers to take money from their account that they have not received yet and spend when they are expecting payments at least 2 days ahead.
If you have been saving there before you lost your job, MoneyLion would definitely be one of the best apps that loan you money instantly without a job since you already have a track record of using the app before.
9. PayDay Loans For Unemployed
A lot of companies offer payday loans for the unemployed. It is not only the employed that have access to payday loans. If you are a freelancer or an individual business owner, you can also have access to payday loans without indicating that you have a job.
Payday loans can give you secured and unsecured cash advanced to take care of emergencies and repay back on your next payday.
10. Possible Finance
PossibleFinance loan app can give you access to loans without a job. Even though you are currently unemployed, you can get a cash advance loan with the Possible Finance loan app up to the amount of $200 without any form of paperwork.
Possible Finance has some of the best loan offers. One of the best ways to qualify for a cash advance instantly with Possiblefinance without a job is by having a surplus in your account when you have a job. Then, when you no longer have a job, you will be qualified for a cash advance.
11. SoFi Personal Loans
Sofi Personal Loans, as the name implies, is also another great loan app that gives you money instantly without a job. SoFi also helps you get a job via an unemployment protection scheme, allowing you to get instant feedback on your loan application even without a job.
12. GO2Bank
Go2Bank is a payday loan app that helps employees get access to their wages 2 days earlier if they are working in the private sector or 4 days earlier if they are working in the government sector.
Aside from payday loans, Go2bank also gives access to instant loans to those with no jobs, and your response of whether you qualify or not would be almost instantly (60 seconds) as stated on their official website. You can get up to a $5k-$10k personal loan and spread repayment across 2-7 years with a fixed rate.
The Go2Bank credit card helps you to carry out transactions using a Visa card. You will also pay $5 per month if you do not use the direct deposit option. However, if you are using direct deposit, you don’t have to worry about that.
13. Vola Finance
Vola Finance is another good app that gives you money instantly without a job. The platform is in the form of a community that helps people join, get their membership, and benefit from paying for their shopping and paying back when they get paid.
While that is speedy, since it’s a membership platform, you can acquire your membership with Vola Finance and get your money without a job when you need it.
What App Lets You Borrow $200 In 2023?
One of the best apps that lets you borrow up to $200 is the Klover loan app. With Klover, you do not need to be an employee to qualify. However, below are other apps that can let you borrow up to $200 arranged in tabular form.
| S/N | Loan App Name | Loan Amount | Interest Rates |
|---|---|---|---|
| 1. | Klover | Up to $250 | $2.49 per month |
| 2. | SoLo Funds | Up to $2000 | Free/month and late fees of up to 15% + $5 |
| 3. | Brigit | Up to $250 | $9.99/month |
| 4. | Chime SpotMe | Up to $200 | $0/month |
| 5. | MoneyMutual | Up to $5000 | Not available |
| 6. | Grain | Up to $200 | 15% – 17% |
| 7. | Earnin | No fixed | $3.99/$100 loan |
| 8. | MoneyLion | Up to $500 | About $5/month |
| 9. | PossibleFinance | Up to $200 |
The above unemployment cash advances apps can help you take care of some responsibilities until you have the next pay job that can sustain you.
What app will give me $50 Instantly?
Klover has completely changed the narratives of how people access instant loans. If you need a cash advance of $50 instantly, the first place you might consider is Klover and Dave loan apps.
Klover does what many loan apps don’t do. They say yes even when others say no. Klover gives loans to individuals even without a job and when they don’t qualify for a loan from other loan apps.
To answer which app will give you $50 instantly, Klover is the best app that can give you a $50 loan instantly without denial. They have higher chances of approvals, too.
$100 Loan Instant App No Credit Check
If you need a $100 loan instant app with no credit check, Klover is the first choice to go to. You can get up to $250 without credit checks even as an unemployed. You should also use Solo Funds to get instant access to up to $500 instantly without a credit check.
Solo Funds is a peer-to-peer lender that leverages the power of community building to make personal loans more accessible and inclusive to all. It doesn’t have to be limited to employees, but people without a job can also apply for a loan using Solo Funds and get same-day funding.
Is There Loan Options for Self-employed and Freelancers
Yes, there are different loan options for self-employed and freelancers. For freelancers, Earnin is one of the best loan apps that give you money instantly, and you can pay it back when your clients pay you next. That means the client you are working with would have to have been integrated with Earnin.
An example of a freelancing platform that Earnin supports is Fiverr and Peopleperhour, among others. So, if you have earnings and expect disbursement in a week, Earnin can give you a portion of your earnings before the day you stand to get disbursement.
What Apps That Let You Borrow Money Instantly?
One of the best loan apps that lets you borrow money instantly is the Klover and Beforepay app. These apps let you borrow money instantly even without a job and without checking your credit scores.
The Beforepay app has been in existence for a long time and can give you a loan or pay for your shopping and spread your repayment in 4 instalments up to 6 months with a fixed percentage and no additional fees. Klover also simplifies lending by providing fast access to your loan amount.
How To Get Money Now Without A Loan
The best way to instantly get money without taking a loan is to ask your family and friends. Your family and friends are the closest people in your circle who can understand when you are going through some financial challenges.
When you complain to them about the need to acquire an interest-free loan from them, they would be able to help you get money without a loan, and in most cases, they might even never ask you for the money in return.
In A Nutshell;
The best apps that loan you money instantly without a job are very similar and friendly. These apps are very reliable and serve both employed and unemployed to help them get out of emergencies with cash advances up to $200 – $5000.
With all being said, we recommend our best option to be Klover for the best app that loans you money instantly without a job. Freelancers are also considered people without jobs, and these apps help you get access to emergency cash instantly and in minutes.
