Subscribe to our newsletter for the latest news and insights delivered straight to your inbox
No obligation
100% online
No Early Repayment Fees
Complete a short, secure application in minutes. There’s no obligation to accept any offer.
Based on your information, our system searches for potential lenders who accept disability income.
Approved funds are typically sent via Interac e-Transfer, often the same day or next business day.
Loan availability depends on the lender’s terms and your personal financial situation. You can see options for benefit recipients, people with disabilities, carers and low-income applicants.
These loans often come with higher costs and strict repayment rules, especially if you have poor credit. Always review the terms carefully and borrow only what can afford to repay.
A quick and easy application process online
Instant on-screen decisions
Flexible loans up to $1500, for any purpose
Your payment request has been approved, and the funds are now being securely transferred through our advanced processing system.
Track Transactions in Real Time
Instant Alerts for Every Payment
Enhanced Security with Two-Factor Authentication
We’ve processed your payment successfully. Expect your funds to arrive shortly through our encrypted and verified transfer network.
Seamless Money Transfers
Transparent Transaction Tracking
24/7 Customer Assistance
Your funds are on the way! Our automated system ensures every transaction is handled quickly, safely, and without hidden delays.
Instant Payment Confirmation
Easy-to-Use Financial Dashboard
Personalized Money Management Tools
Choosing a financial service while living on disability income requires clarity, transparency, and respect. DisabilityLoans.ca was built to help Canadians explore short-term loan options without confusion or misleading promises.
STEP 01
Apply in minutes through one secure form. No paperwork or branch visits required.
STEP 02
If approved by a lender, funds are often sent by Interac e-Transfer, sometimes the same or next business day.
STEP 03
DisabilityLoans.ca is an independent loan-matching platform. You are never required to accept an offer.
STEP 04
Some lenders focus more on income and affordability rather than credit history.
STEP 05
We work with lenders that may accept ODSP, CPP Disability, AISH, and other benefit income.
STEP 06
Submitting an application through our platform does not affect your credit file. Lenders may use soft checks.
Disability loans are available to Canadians who receive government disability income and meet basic eligibility requirements. Approval criteria, but the following guidelines generally apply.
18 years or olderOntario residentReceive ODSP, CPP and AISH benefitsActive Canadian bank accountRegular monthly income
Please note that loan costs, APR, and repayment amounts depending on the lender, eligibility, and financial situation. Processing times also vary based on the bank or payment provider involved. We recommend keeping a record of transaction or reference number in case of delays or questions.
Check Your Options Now
Short-Term Loans |
Payday-Style Loans | Emergency Loans |
|
| Best for | Small cash gaps | Urgent expenses | Unexpected emergencies |
| Typical Amounts | $100 – $1,000 | $200 – $1,500 | $500 – $5,000 |
| Repayment Period | 2–8 weeks | Next payday or short term | Short to medium term |
| Credit Score Required | Not always | Not always | Varies by lender |
| Disability Income Accepted | ✔ | ✔ | ✔ |
| Soft Credit Checks | ✔ | ✔ | ✔ |
| Same / Next-Day Funding | ✔ | ✔ | ✔ |
| Obligation to Accept | ✖ No | ✖ No | ✖ No |
| Application Fee | $0 | $0 | $0 |
“I was worried it would be complicated, but the application was straightforward and didn’t take long. I liked that there was no pressure to accept anything.”
Living on disability benefits can be tough. When an unexpected bill came up, this site helped me look at my options without feeling judged.
The website explains things clearly and doesn’t make promises it can’t keep. I appreciated knowing they’re not a lender and that the choice was mine.
Short term loans can be helpful in emergency situations but are not intended for repeated use. Before accepting any loan offer, it’s important to carefully review the total repayment amount, applicable fees and interest, the repayment date, and whether the repayments fit comfortably within your budget.
DisabilityLoans.ca promotes responsible lending and borrowing practices at all times and encourages users to make informed financial decisions.
Yes. Some lenders focus more on income and affordability rather than credit score. However, approval is never guaranteed.
Submitting an application through DisabilityLoans.ca does not affect your credit score. Our lenders perform soft and alternative checks.
Loan amounts vary by lender and personal circumstances. In many cases, offers may range from $100 to $5,000, depending on income and affordability.
Not necessarily. Some lenders accept disability benefits as a source of income, provided the payments are regular and sufficient.
Yes. We use secure technology to protect your personal and financial information.
Always review the total repayment amount, fees, interest rate, repayment date, and ensure the loan is affordable for your budget.
No. We do not charge application fees. Any fees or interest are set by the lender and disclosed before you accept an offer.
Our lenders accept income from programs such as ODSP, CPP Disability, AISH, and other provincial disability assistance. Acceptance depends on the lender’s criteria.
No. DisabilityLoans.ca is not a lender. We are an independent loan-matching platform that helps connect applicants with third-party lenders based on eligibility.
Disclaimer: DisabilityLoans.ca is not a lender and does not provide loans. We connect users with independent third-party lenders. Loan approval, terms, and funding times are determined solely by the lender.
If you decide to apply for a loan service through our website, you will be dealing directly with the lenders and not with us. While we are independent, we may receive compensation from our partners, but it not directly or indirectly affecting the loan and interest.
© 2025 disabilityloans. Made in Canada. All Rights Reserved.