If you are unemployed, it may be more difficult to qualify for an installment loan as lenders typically require proof of income as part of the application process. However, there are some options that may be available to you: Apply with a co-signer: If you have a trusted friend or family member who is willing to co-sign on your loan, this may increase your chances of approval. A co-signer with a stable income and good credit can help reassure lenders that the loan will be repaid on time. Look for lenders that accept alternative income: Some lenders may accept alternative sources of income, such as disability payments, retirement benefits, or child support payments. Be sure to review the lender's eligibility requirements before applying to ensure that you meet their criteria. Consider a secured loan: A secured loan is a type of loan that is backed by collateral, such as a car or home. Because the loan is secured, lenders may be more willing to lend to borrowers without a steady income source. However, it's important to note that if you default on the loan, the lender may seize the collateral.