According to About.com, the easiest way to get a loan while unemployed is to apply for a Home Equity Line of Credit through a bank. Other options include applying through a traditional lender with a co-signer, going through a payday loan service or borrowing from friends or family.
The Los Angeles Times reports that payday lenders around the country offer loans with unemployment checks as collateral. While the article warns that such loans are often predatory, they can be the only potential source for a loan for a person who is unemployed and dealing with a damaged credit history.
About.com notes that pawnbrokers are another common source of short-term loans for a person who isn't traditionally employed and who is unable to pass a credit check required by a traditional bank. About.com also explains that most traditional banks don't grant a loan to someone who is unemployed because they require proof that the borrower has the ability to repay the loan. Credit unions and a local bank with which a person has been associated for a significant amount of time are more likely to approve loans for a non-traditional borrower than larger banks. An unemployed borrower is more likely to pay high interest rates and even place a significant down payment before receiving a loan.