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It stands for "no income, no job and no assets." Whereas most lenders require loan applicants to provide evidence of a stable stream of income or sufficient collateral, a NINJA loan ignores that..

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How to Get a Loan Without a Job (Or Even a Bank Account) – Getting a loan while you’re unemployed can seem next to impossible. Mainstream lenders such as banks and credit unions will likely not be available for you, but there are a large amount of specialty loan services that are willing to grant you a loan even if you don’t have a steady income. In this article, we outline the steps for how to get a loan without a job, without a bank account, and.

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