There is no set time for how long you need to have a job to get a personal loan. However, most lenders will want to see you have been employed for at least three months before they approve you for a loan. Lenders want borrowers with a steady income who will likely continue to be employed for the foreseeable future. Suppose you have recently changed jobs and are interested in getting one of the best payday loans in Canada. In that case, you may need to provide additional documentation, such as a letter from your employer or pay stubs from your new job.