We’ve all been there. You want to buy a house or a car, or start your own business. But the bank won’t give you the loan—or they’ll only offer you a measly amount of money with 13{5ab75762cf707683d7af2475431dd95a23fbc9cf5cb8a45517116f350cf35bde} APR—because they don’t believe you can pay back what you’re asking for.

Well, we’re here to tell you it’s not impossible to finance your next big venture. It just takes some work and creativity. Soon, you’ll be on your way to business ownership, homeownership—whatever your dream may be.

Here are some ways to get loans without proof of income:

Find a Co-Signer

One of the easiest ways to get a loan without proof of income is to find a co-signer. A person who co-signs for you handles the loan if you default on it, so make sure that person has good credit and won’t mind being held financially liable for your debt.

Borrow from Friends or Family

If you are in a situation where you need cash and don’t have proof of income, borrow money from friends or family members. We don’t recommend this if you’re not sure you can pay them back because it will put a strain on your relationship. But if you’re in a financial pinch and need money fast, it won’t hurt to ask.

Get a Secured Personal Loan

Getting a secured loan is an excellent option if you have some collateral to back up your application. Collateral can be a car, boat, or even a home. Just remember that the lender will take possession of the item if you don’t pay back the loan.

Some lenders impose a penalty clause that gives them the right to seize your collateral if you miss one payment. Always review your loan agreement and take note of what you’re putting at risk.

Home Equity Loan

Home equity loans are secured by your home’s value, making them an attractive way to get cash when you need it—whether for personal or business purposes. This choice takes longer to get but usually has a lower interest rate than other loans because lenders view it as a less risky investment.

Ask for an Advance on Your Paycheck

If you’ve got your eyes set on a home loan and have no collateral, you’ll have to learn more about ways you can finance your dreams. This includes asking your employer. They may be open to giving you an advance.

When you do this, you won’t have to wait for the money to come in and then pay back the loan. Instead, you’ll repay the amount through working.

Get Approved for Loans Without Proof of Income

If you can’t provide proof of a salary now, don’t worry! There are plenty of other ways to get loans without proof of income. The key is to find options that work for you—which may mean borrowing from friends or asking family to cosign for you.

If none of those solutions seem like good options, read some of our other real estate blogs for financing tips.