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Jan 24, 2022 · 1. You Don’t Need the Approval of Others. When I would tell people about my plan to sprint away from my cubicle in favor of the freelance life, I so desperately wanted them to reassure me with statements like, “Oh wow, you’re so brave!” “Good for you!” or even a friendly and dad-like, “Go get ’em, tiger!”.. Aug 18, 2020 · If you just don’t have the income to make a personal loan happen, there are alternatives for emergency loans if you don’t have a job. Here are three. 1. Apply with a co-signer. If your credit score is keeping you from being approved for a personal loan while unemployed, using a co-signer may help.. 2. You have two problems, a lack of good reference and a lack of references for online applications. While related, these are distinct problems. There's not much you can do about the first, you'll just have to live with it. THe second on the other hand is a solvable problem -- references for an online application need not be the same references.