Government loans are aimed at people starting up small businesses. You will need to have an idea and create a business plan to show how you aim to succeed. You can then apply for a loan.
YES
You can't get a payday loan without a payday. The loan is made as an advance on your next payroll check. If you are unemployed they have nothing to lend on and have no reason to believe you have the means to pay it back.
They wouldn't dream of it now. An applicant for a loan must make a good case to the bank that they will pay the loan back in full plus interest for them even to be considered
It's difficult for an unemployed person to get a bank loan with today's economy. If a loan officer sees that a person does not have a steady source of income, he will be very inclined to not give you a loan. Some predatory lenders may give you a loan, but they will charge outrageous interest rates.
No. There would be no reason to allow an unemployed person to co-sign a loan. A co-signer is required by the lender when the primary borrower has a poor credit record and /or doesn't earn enough money to pay the loan. A co-signer is fully responsible for paying the loan and guarantees the loan will be repaid. If they are unemployed they are not a good credit risk and would not be acceptable to the lender.
yes from your family members ;)
If you file bankruptcy, you file bankruptcy on everything. You can not file bankruptcy on one loan.
find a job
In most cases, for a non-conforming loan ---- one year. For a government loan i.e. FHA or VA - 2 years. Conventional loan - 4 years
Not for the loan, which should have been in the BK
Most likely, no.
Yes. The basis of the Emerald loan is on your tax refund, so the refund is used as collateral for the loan.