Use collateral-based loans
Apply with a co-signer
Show alternative income sources
Use a secured credit card or credit-builder loan first
Borrow from a credit union
Consider a personal loan from an online lender
Use a home equity loan or HELOC if you own a home
Use a car title loan only if you understand the risks
Apply for a pawn loan
Ask family or friends for a private loan
Use unemployment benefits as income if accepted by the lender
Use retirement income, disability income, or alimony if applicable
Improve your credit score before applying
Lower your debt-to-income ratio
Borrow a smaller amount
Provide bank statements and proof of assets
Offer a larger down payment or deposit
Consider a payday alternative loan from a credit union
Look for lenders that accept nontraditional income
Avoid high-fee predatory lenders