Most personal loan lenders will not approve your loan application without proof of income. Since many lenders use a risk assessment tool to screen borrowers, they view applicants without proof of income as a higher risk. However, some lenders will work with you if you have other exceptional qualifying factors, such as an excellent credit score, low debt-to-income ratio, or offer adequate collateral. If you lack these qualifying factors, you may be able to still get approval for the funds without income by applying for a joint personal loan with a qualified co-signer's proof of income.