Securing a loan without collateral was never heard of sometime back. However innovative ways of banking has seen a lot of banks move from that initial stance to more liberal stance. The banks are now ready to offer some cash up to an amount without requiring collateral. The loans are very common to people with some sort of constant incomes. For instance being employed or self employed increases your chances greatly of securing such loan from your bank. The good news however is that when you are out of job, you can still approach the bank and if you are able to convince them that you can repay, the loan will be advanced to you.
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There are several forms of such loans. They are often not termed as long term loans and you are required to repay the money in the shortest possible time. Small amounts are given under that loan category. The amount given are not secured so the banks will not risk giving too much of it. You can say that that is a mechanism to ensure that losses are minimized. You should be able to convince the bank that you have the means to repay the money back. You can greatly do that by showing proof to the bank that you are close to securing another job.
The bank will gladly advance money to you if hey know that another employer is interested in hiring you. How do you do that? Well to start with, you can start writing applications back to jobs. If you get invitation from a bank to attend an interview, that means you have a realistic chance of getting employment. You can talk to your bank and argue from the point that you are talking to employers. Prove to the bank that you believe in your ability to get another job quickly and thereby repay the loan. That will also convince the bank that when the money gets to you, it will not be a bad debt. Visit your bank and see what they can offer you in these times of financial difficulties.