Loans are usually given to people who can prove that they have either a bank account or a job or both. This is because it gives the lender a place in which they can deposit the money and it gives them a way to check that you have a regular income coming in so they can see that you have a means of making the repayments. You cannot blame any lender for not wanting to loan money to anyone if they think they are not going to get it paid back.
Without a job how are you going to make the repayments?
Without either, getting a loan from a high street bank or building society is not an option as they will most definitely require you to have both.
It may be possible to obtain a loan online without either a bank account or a job but you will have to prove to the lender that you do have an income as they will need assurance that the repayments on the loan will be met.
There are plenty of lenders that will give you a loan if you have a job but no bank account and plenty that will give you a loan if you have a bank account but no job.
An online search on the internet will throw up plenty of Payday Loans which are short - term loans only that are to designed to help you out in an emergency if you find yourself short until you get to your next pay day. They are not to be seen as or used as, a long term loan. The chances of getting a Payday Loan without a job again are very slim as without a job the lender will want to know how you are going to make the repayments.