No Job Need A Loan How to Get a Loan Without a Job (Or Even a Bank account!) micro-lender loans. payday loans. retraining Loans. Specialized Personal Loans. Student Loans. Title/Collateral Loans. Pawnbroker Loans.Affix Signature How Long Hard Inquiry Stay In The Credit Report Hard inquiries remain on your credit report for just over two years, but their impact on your credit lessens over time. Even if you have multiple hard inquiries in a span of just a few months, it’s still unlikely a potential lender will give them too much weight.