Although more challenging than securing a loan with gainful employment and often with less favourable terms it may still be possible to borrow money while unemployed. Several UK direct lenders will look past employment income and review an applicant?s unique situation before making a decision on whether to lend or not. This may include considering regular income instalments such as pension income or disbursements from current or ex partners among others. Ultimately, it may be difficult to secure a loan but if you are able to prove ability to make payments on time there is likely a lender for you.