First of all, loans are not bad for anyone, whoever approaches to it, with an intention of approval fulfilling long term or short term needs. But certain terms are applied, in case of applying loans from traditional banks or money lenders.
Yes, you can apply for unemployed loans even if you are jobless. At the end of the day, lenders are looking for those borrowers who have the ability to pay off the borrowed loans. Having an income source is evidence of the capability to repay the loan.
It seems odd applying payday loans for unemployed borrowers, but it can be an emergency case that’s why they think of applying. Otherwise there is no such option for them to follow after being an unemployed, now it depends on money lenders and financial institutions.