Getting your personal loan without a job can be done online and it will help your spending this Christmas. So if you are unemployed right now or just don't like to work for yourself, here are your possible ways to get your Personal Loan and spend the money for the gifts or whatever emergency financial needs that you are having right now.
Cash advance is your chance to get cash during emergency. Your credit card is helpful to your financial needs that's why it is important to keep it clean in any debts or late charges in your statements.
You can get cash from your savings or other funds that you set aside for your retirement like 401K or life insurance. These are not good ways to get a loan but if you need money to survive then why not.
Borrow money from your family or friends. You can promise them to pay later as long as you will get a job. Take the trash talks from them if you did not listen to them before and that's why you are struggling right now.
Coworkers or your former Bosses in your work before. There should be some who are willing to lend you money right away if you are out of job. Unemployment benefit is good but getting your personal loan options will be useful to your emergency needs in the future.
Peer to peer loan is easy too so check it out at Prosper or Zopa website. If you have something to put as collateral then you can go directly to your local lenders or bank for your personal loans.