This is kinda long, so bear with me. My credit is from the 680’s- 710, depending on which bureau is used. I can get a loan based on my credit. My problem is I don’t have income coming in, well very little for the past two months or more. I had a large sum of money saved up and went through it. I have been doing DoorDash and Uber for the past 3.5 years. Th business has completely dried up though and isn’t sustainable anymore.
I have a job I am supposed to start next week as a server. The problem is servers only make $2.13 an hour and depend mostly on tips. Plus I will be training and only making minimum wage the first week. I desperately need money now. I have rent due by the 5th, and we have a new management company taking over. I don’t want to be late and don’t even know their policy about it. I also have some other random bills due.
Is it possible to get a loan without income verification? I went to my credit union of 10 years and basically got treated like crap because I don’t have income coming in lately. My uncle who has like a 500 credit score somehow got two loans through them smh. This apparently is the most important thing when deciding a loan. I have no foreclosures, late payments, repos or anything like that. I have worked really hard to build my credit up and am stressing out that this little bump in the road is going to ruin my credit. If I can’t get a loan, is it possible to get a credit card without income verification?