Slightly ridiculous, but right now I'm between jobs (finished college last year, still not sure what I want to do as a career so have been effectively living off of savings as I worked during college) and I'm not in receipt of social welfare payments - what are my chances of being granted a €500 personal loan? I'd easily be able to pay it back within three years because of savings, and i don't have other expenses such as car / rent / other loans (I live at home, was lucky enough to do so during college too) but I'm not sure if the credit union will see it that way because I have no income to speak of. I've been applying for jobs but haven't had much luck, came close to several but it hasn't been my year. From what I can see on various CU sites you need to provide either payslips or proof of social welfare payment to apply for a loan, it doesn't say anything about those not in receipt of income. Obviously I hope to be in receipt of income by the end of this year, but neither myself nor the CU can guarantee that. Any help much appreciated!