Sorry to hear about your COVID situation. Hopefully it turns around soon. The good news is that you can probably secure a car loan even without current employment if you meet a number of other requirements.
First off, choosing a local bank or credit union may work better for your needs. By using one of these lenders, you will work with a person who’s part of your community, and one that’s empathetic to your employment situation during the COVID pandemic. Keep in mind that this doesn’t disqualify big banks or national chains, but it may be the best place to start.
As for getting a car loan while unemployed, the lender will take these aspects into account:
Other sources of income (annuities, Social Security, etc.)
Debt-to-income ratio (basically checking to see if you have other liabilities, such as other loans or credit card payments)
If you meet the minimum qualifications for these aspects, you may qualify for a loan. The best plan here is to get pre-approval. Then you’ll know if you’re approved, and how much you’re approved for. Also, if you have money for a down payment, you may also want to provide this information to the lender.
And finally, the million-dollar question: Do you really need a $10,000 car? Sure, it might be more reliable than the more affordable options. But then again, maybe not. In tough times, you have to put your financial situation first. So assuming you’re only running errands or going to work (hopefully in the near future), a $10,000 loan may not be the best idea at this time. So shop around and look for reliable makes/models, and you should be able to maximize your value. Good luck with everything!