Unfortunately, as with many things in life the answer is not as clear cut as many would like it to be.  In truth there are such things as personal loans for people with no job but you have to know where to look for them and what to look for when you find them otherwise they can be a seriously expensive mistake to take one out.

The easiest type of personal loan for people with no job would be a simple secured loan, with the loan security not perhaps your home as there is no assumption that you have a home, although having stated that the security of a home would be a powerful asset to be able to pledge.  However loans secured on properties tend to be quite large and the repayments still required so the absence of a job would preclude any silver bullet type loan from being granted.  No, the type of loan being envisaged here is essentially the loan from a pawnbroker, for which you pledge a possession of yours that has some value.  In essence you pledge the item, leave it with the pawnbroker and agree to pay the original sum plus a financing charge at an agreed date in time.  If you fail to make repayment the broker will sell your item.  Harsh, but nevertheless allows you access to personal loans with no job.

The other sort of loan you might consider are specifically unsecured personal loans for people with no job, which are essentially very short term loans for which no assets are pledged but for which repayment, plus a financing charge would be required in a short time, perhaps as little as a few weeks.  The danger of these type of loans is twofold, if you do not find yourself stumbling into the hands of a loan shark then you will still suffer extremely high rates of financing for the privilege of borrowing the money and you should take great care before taking out such finance.