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How to be? Only microfinance organizations (MFIs) can help with this, because they generally do not require a certificate of income. It’s not so difficult to find a non-bank type credit company where a loan is issued to an unemployed person with a bad credit history, without inquiries and guarantors. As a guarantee, they may ask for an advance payment or registration of additional services. But there are companies that earn only interest on loans without hidden fees.