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Today, most people prefer not to borrow money from friends or relatives because there is another more effective way to receive the necessary amount of money. In the era of smart technologies, everyone can solve his/her problems with the use of the Internet. Just a couple of minutes and the necessary amount of money will be on your banking account. However, before you make this step, you are recommended to check loans for unemployed people with no income to know whether you need a loan or you can wait till the payday. When our desires and opportunities do not coincide, we are looking for work that would bring more income. And what if there is enough money, but it is simply not at hand or will come a little later, when it is needed now. This is one of the situations when online loans are useful. Here, you have an opportunity to find answers to all most common questions you may want to ask before you get started with a loan application process online. Online loans are more risky than guaranteed loans for unemployed because customers do not need to be officially employed. They need to prepare a certificate of income, they do not need to give pledges and attract guarantors, there is no need to come to the office, etc. All these differences increase the probability of non-return of funds by some borrowers. And in order to reduce the negative consequences from this, higher interest rates are set in online lending services.