Disability loans match you on the income you receive — including disability benefits — not just your credit score. Compare licensed Canadian lenders in one 60-second application, with no impact to your credit to compare.
A disability loan is simply a personal loan for someone whose income includes disability support. Because the lenders in the Loanspot network weigh your income and ability to repay rather than your credit score alone, steady, verifiable benefit income can help you qualify even if your credit isn't perfect. You compare several licensed Canadian lenders from one 60-second application.
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No lender can promise approval, and whether a particular benefit is accepted depends on the lender. But because the money is regular and deposited to your account, many lenders treat it like any other income.
Many lenders look at regular support payments as part of your overall income, such as:
Your income is confirmed securely with IBV (instant bank verification) — a read-only check that confirms the deposits without moving any money. What matters most is that the payment fits comfortably in your budget, so borrowing the smallest amount you need gives you the best outcome.
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Apply once — comparing won't affect your credit score.
Tell us how much you need and confirm your income with IBV — no documents to fax.
We compare lenders who consider your full income and ability to repay.
Choose an offer and receive your funds — often by e-transfer the same or next business day.
Every lender in the network must stay within the federal 35% APR cap and follow Canadian cost-of-borrowing laws, disclosing the full cost of your disability loan before you sign. Reputable lenders never ask for an upfront fee to release funds and never promise guaranteed approval — treat those as red flags.
On a fixed income, predictability matters most. Check the total cost of borrowing, choose the shortest term you can comfortably afford, and borrow only what you need. If higher-interest debt is the real issue, debt consolidation may lower your overall cost, and an installment loan keeps payments steady.
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The questions Canadians on disability income ask most.
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Often yes. Many lenders consider steady, verifiable disability income as part of your overall income, so it can help you qualify. Whether a specific benefit is accepted depends on the lender, and no one can guarantee approval.
Lenders may consider CPP Disability, provincial programs such as ODSP or AISH, long-term disability payments, and any part-time employment income — confirmed through IBV.
No. Comparing options on Loanspot does not affect your credit score. A lender may only run a check if you move forward with a specific offer.
Often yes. Approval is based mainly on your income and ability to repay, so fair and poor credit are still considered.
Only what fits comfortably in your budget. Borrowing the smallest amount you need keeps the payment and total cost manageable.
Most applicants are matched within minutes, and many lenders fund approved loans by e-transfer the same or next business day.
All lenders must stay within the federal 35% APR cap and disclose the full cost of borrowing before you sign. Walk away from anyone asking for an upfront fee.
One 60-second application. No obligation. No impact to your credit score to compare.
Get matched now →