A job, new or not, is helpful for getting a loan. If you have a new job that ended a period of unemployment, you may have to document your salary. You can usually do this by sharing a copy of your employment acceptance letter with the lender. A few pay stubs should also suffice. Proof of employment is especially important if you have a bad credit score. But you can look upon the loan as a golden opportunity to improve your score. To help boost your credit score, you must use a lender that reports your payment activity to at least one of the three major credit bureaus: Experian, TransUnion, and Equifax, and preferably with all three. All five lending networks reviewed in this article indicate they report your activity to at least one credit bureau. You want those reports to be positive, which means you always pay on time and always pay at least the minimum due. It could accrue to your benefit if you pay off your loan faster than required. The most important factor is to use the job to establish good credit by paying your bills on time. Well, perhaps we overstate just a bit. But the loan matching services reviewed here all facilitate loans to unemployed borrowers with bad credit. As long as you can show enough monthly income from a legitimate source, you stand a decent chance of obtaining a loan despite your bad credit rating.