Anyone know about loans?

[nCOMP1337]

Firstly, I am currently a full time student and unemployed. I am also on break from school til august. I am wondering if anyone knows if there are places that may give out a small 500 dollar or so loan to someone unemployed. I can show proof of being able to pay it back, sadly i wont be able to actually pay it back until september when i get my school loans in, or if i get more stuff sold around my house. I am trying to sell my van, but so far no takers.

Here is why I am asking. I have a 99 alero, i know not the best, but ive had this car for 6 years, its been through some abuse, sat 3 years and started right up no issue, ive always taken care of the engine and it runs flawlessly, never an issue, but it has a good amount of body damage, and cheapest quote is like 850, from a local guy not a shop, shop was more like 1500. I could fix all the problems but the rear where its been smashed in when a neighbor and I backed into each other and insurance called it a no fault, so nothing happened, and i was quote minimum 350 to fix that, again by a local guy not a shop

Reason asking about a loan

There is a guy with th4e exact same car i have only a perfect body, but bad engine, so i was thinking i cloud just swap the engines over, its the same thing i did previously for my current alero, engines been running strong and my step dad could do the engine swap free, but the guy wants 500 bucks for body. So I was googling around trying to get info, but everything i can find where it talks about low loans and bad credit, you always have to show pay stubs, and i understand why, but i am not sure if there are places that will loan the money if you can prove income otherwise to pay back, i.e. my school loans, i just cant pay it back til september

i know this isnt a major issue and my car runs just fine, but id like to fix it up and the trunk doesnt shut properly and moves over an inch even when latched, so id rather not put a system in there with it like that (already have all system stuff minus a subwoofer right now) so thats part of the reason id like to swap engines, besides having a good looking car again

any help in the right direction appreciated, thanks in advance

[OrionStang]

You're probably better off borrowing the money from a friend or family member. Even if you did get a loan from a bank, the interest rate would be retarded-high.

[nCOMP1337]

unfortunately, interest always sucks, lol

im going to look into family members tomorrow, but was curious if there was other info out there i didnt already come across

[Nine8SST]

You might be able to get a signature loan from your bank if your credit is good.

[TeamHT]

A signature loan may be possible, but I doubt. Your best bet is to to go your local Credit Union, as banks will not loan to someone unemployed. Most credit unions might not as well, but this is the best way to get someone to look at your "personal" finances. Also, saying you do not work might not be the best thing to do. Try for a $500 visa (most of the times LOCs have much lower interest than an unsecured signature loan) and see how that goes.

You can also see if certain items you may currently own have equity. Vehicle and ATVs are the most common.

[OrionStang]

I will say that I have been approved for some things based on my school income. I do have very good credit, though. Bigger things like home loans or consolidation loans won't approve the school money as income. Try your bank, can't hurt to ask.

[nCOMP1337]

You might be able to get a signature loan from your bank if your credit is good.

i didnt think about that, credit isnt great, but its worth a shot, ill inquire about that monday