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How do I buy a car if I'm unemployed?

I lost my job during the pandemic. To find a new job, I'll need reliable transportation. Can I buy a car without a job?

avatar
Matthew Macgugan · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
To buy a car if you’re unemployed, you’ll likely need the following:
When applying for a
car loan
, one of the first things your lender will ask for is your income—luckily, they don’t just mean wages from employment. Sources of income may include:
  • Pension
  • Social Security
  • Alimony
  • Rental property income
In addition to income, your credit score is factored into getting approved for a loan. It also helps determine your interest rate.
A low score doesn’t mean you are out of luck, though. Try to get pre-approved for a loan before heading to the dealership to get a better idea of your financial situation.
If you’re unable to verify your income or if your credit history is less than stellar (or both), a cosigner with a solid income and good credit history may help you qualify for financing. But keep in mind that missing payments could negatively impact both of your credit scores.
MORE:
A guide to low-income car loans
Car LoansCredit ScoreCar Buying
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