Delivering a crisis Loan With no employment Do i need to qualify for financing if I am underemployed? The possibilities of qualifying having a consumer loan, even though you lack a career, hinges on one or two things: alternative earnings along with your credit. Alternative Money due to the fact that loan Factor When you yourself have no proof employment due to an excellent layoff otherwise furlough, you can provide your own bank having option earnings choices to inform you you’ll be able to pay everything you use.