Online Loans That Accept BC Disability Income

Do you receive BC disability income and need a loan? Finding a lender who accepts disability benefits as income is your first step to getting financing.

This guide breaks down a variety of options available to you, including bad credit and e-Transfer options.

Jump to:

• Payday loans (e-Transfers within minutes, bad credit OK)
• Lines of credit & personal loans (same-day funding available, bad credit OK)
• Cash advances (instant e-Transfers available, no credit check)

Compare online payday loans that accept BC disability

Payday loans have lenient eligibility requirements, which is why people on disability income can quickly get one. But given payday loans’ very high rates, only consider applying for one when you’ve exhausted all other options.

Compare lines of credit & personal loans for BC disability income

You can use your disability benefits to qualify for a personal loan or line of credit from an alternative lender. Compare your options below.

Compare cash advances for people on disability in BC

You can get a small, instant loan from one of the cash advance providers below. They’ll consider your application as long as your disability benefits are being paid into your bank account. In KOHO’s case, you don’t need to provide proof of income.

Can I get a loan while on BC disability assistance?

Yes. While traditional lenders like banks may not approve applicants receiving BC disability assistance, some alternative lenders do. These lenders have more generous eligibility criteria and can approve you as long as your BC disability income is paid regularly into your bank account, and you receive enough income to repay the loan.

Types of disability loans in BC

Some lenders see regular disability payouts as proof that you can pay back what you borrow. Because of that, they’re willing to provide financing. Below is a breakdown of the different types of loans you may qualify for if you’re receiving disability assistance as a British Columbia resident.

Loan	Interest rate	Loan amount	Loan term	Notable examples
Payday loan	$14 for every $100 borrowed	Up to $1,500	Next payday, up to 62 days	iCash, Money Mart
Installment loan	18% – 35%	$500 – $10,000	3 - 60 months	Loans Canada, LoanConnect
Cash advance app	No interest, but you may pay a monthly fee ($2 - $12)	$20 – $500	Next pay cycle or flexible	KOHO, Bree, Nyble

Some payday lenders accept BC disability income

You can apply for PWD payday loans online or at a physical location. If you apply in store, you’ll provide documents like government-issued ID and bank statements, get approved on the spot, and walk out with your loan.

Applying online for PWD payday loans may be faster and more convenient. In most cases, you won’t need to send any documents. Instead, you’ll log in to your bank account and give the lender view-only access to your bank statements.

Can I get e-Transfer loans while on BC disability assistance?

Yes, there are online payday lenders that offer e-Transfer loans and accept BC disability assistance. You just need to have an active bank account and be registered with your bank to send and receive e-Transfers.

Examples of lenders that offer e-Transfer loans on BC disability income include iCash and Money Mart.

Features of payday loans that accept BC disability

Payday loans share these common features:

• Bad credit is okay. Payday loans have more lenient requirements, so if your credit isn’t the best, you can still apply.
• Cancellation period. You have two business days to cancel a payday loan in BC without penalty.
• No early repayment penalty. Repay your loan in full any time without penalty.

What are the risks?

Before applying for a payday loan, follow these steps:

• Know the true cost of a payday loan. Payday loans are extremely expensive. If you look at their borrowing fee as an annual percentage rate (APR), the rate can easily be over 300%.
• Be wary of payday loan scams. Be cautious of where you share your personal and financial information online. Only apply to a licensed payday lender that follows BC payday loan regulations.
• Be certain you’ll have enough income. Before you take out a payday loan using your BC disability income, be certain you can repay the loan by your next BC disability assistance payment, or you could be charged an NSF fee and a late fee. Also, check that you’ll have enough income to pay for other debts and bills once you repay your payday loan on the due date.

Related: Best payday loans in Canada

Installment loans are another option if you’re on BC disability income

Installment loans come from alternative lenders with flexible eligibility criteria, including acceptance of BC disability assistance as income. These loans have lower loan amounts, shorter loan terms and higher interest rates than traditional personal loans. Still, they are typically cheaper than payday loans. You can also apply online easily and get the money as soon as the same day.

Can you get e-Transfer installment loans on BC disability assistance?

This is a less common perk among lenders of installment loans, as most stick with direct deposit. If e-Transfer funding is important to you, check out Mogo and easyfinancial.

What do BC disability installment loans have in common?

Installment loans that accept BC disability assistance have these features:

• Pay in installments. You make equal payments over time, usually bi-weekly or monthly, unlike payday loans.
• No prepayment penalties. You can often pay off your installment loan early without facing any fees, though this is also a feature of payday loans.
• Bad credit is okay. Online lenders can accept fair or bad credit under 660, provided that you meet other eligibility criteria.
• Low loan amounts. Lenders approve amounts based on your income. If your monthly income is around $1,500 or less, lenders may offer you $5,000 or less.

Before you apply for online installment loans

• Know how much you’ll pay in interest and fees. You may find that the lender charges a hefty broker or surety fee, which will drive up the cost of your loan.
• Check if the lender is legit. Be wary of lenders guaranteeing approval. While there are legitimate no credit check loans, be cautious of lenders that advertise this too.

Dive deeper: Best installment loans in Canada

Your third option: Cash advances for recipients of PWD benefits

Cash advance apps are a strong alternative to payday loans and personal loans. Here are their highlights:

• No interest. Unlike payday loans and personal loans, cash advance apps charge zero interest. But a subscription fee may apply, depending on the app.
• Fast. Like payday loans, you can get an instant cash advance 24/7. Instant funding comes with a fee; if you prefer to avoid it, free three-day delivery is available for Bree and Nyble cash advances.
• No credit check. These loans don’t involve credit checks, so you can apply with fair or bad credit.
• Small amounts. Some cash advance apps might start you off with less than $80 and will only increase your limit when you build a history of responsible repayments.

Can I get a cash advance via e-Transfer?

Yes. Some cash advance apps can fund you via e-Transfer. You can get e-Transfer funding from Nyble and Bree.

What should I know before signing up?

• Be prepared to connect your bank account. The lender will ask to view your bank statements to verify your income and identity. It’s a simple process, but it does involve you logging in to your bank account through a secure portal, such as Flinks or Plaid.
• Wait if you have NSF transactions. Recent NSF fees in your bank account might lower your chances of approval.
• Direct deposit should be set up. The lender needs to see that your BC disability assistance is being paid directly into your bank account.

Where should I apply for disability loans in BC if I have bad credit?

The loans mentioned above—payday loans, installment loans, cash advances and car title loans—all have lenient eligibility criteria, and people with bad credit can realistically get approved for these as long as they can show their lender they have the means to repay the loan.

Some lenders worth exploring include Loans Canada, KOHO, Bree and Nyble. iCash and Cashco are options too, but generally, payday loans are only suitable as a last resort.

If you struggle with keeping up with repayments, you may want to explore bad credit loans that give you flexibility, such as KOHO and Nyble.

Can I get a loan with no credit check using my BC disability assistance?

Yes. Some lenders do not do credit checks and will focus on your income instead. You’ll need to show them proof of your income, such as recent bank statements. Be careful where you apply, because not all lenders who offer loans with no credit check are legitimate.

You can check out lenders like KOHO, Nyble and Bree if you need a no credit check loan.

Must read: No credit check loans in Canada

How to apply for a loan on BC disability assistance

Follow these simple steps to apply for disability loans in BC:

1. Decide which type of loan you want to apply for. Compare the options above to help narrow down your choices and find a loan that’s right for you.
2. Fill out an application. Most lenders will provide you with a detailed application form to fill out with your personal and banking information. Select Go to site above to begin your application with your chosen provider today.
3. Verify your identity. You’ll need to show lenders that you are who you say you are. You can do this by showing a piece of government-issued ID like your driver’s licence or passport.
4. Show proof of income. This is where your BC disability assistance payments come in handy. You can also show proof of income earned from other sources, like the Canada Child Benefit or a part-time job.

Depending on the lender, you could get an application decision the same day or up to several business days later. Many online loans for disability send funds quickly to your bank account via e-Transfer, which can take up to 30 minutes to process.

Alternatives to consider

If you’re having trouble getting approved for a loan while on disability assistance, or you think the loans above are not right for your situation, here are some other options to consider:

• Get someone to cosign the loan. See if you can find a family member or friend with a good credit score who is willing to cosign a loan with you. Just make sure that they understand they will be held responsible for paying back the loan if you default.
• Visit 211.ca. It’s worth taking the time to explore financial or community support resources before taking on new debt. 211 helps people find programs that offer support for basic living needs, mental health & addictions, legal & financial problems, seniors and newcomers to Canada. The service is free and confidential.
• Credit card cash advance. A credit card cash advance typically comes with an interest rate of around 23%, which can be cheaper than payday loans as long as you pay off your cash advance as soon as you can.
• Auto title loans. If you have a car that’s less than 10 years old, fully paid off and in good condition, check out auto title loans in BC. A vehicle title loan uses your car as collateral. Because you’re putting up collateral, the lender places less importance on your credit score and income.

What is BC disability assistance?

BC disability assistance provides you with financial or health support. It helps to cover the cost of basic living expenses (like food, clothing, shelter and prescriptions) for people living with disabilities.

The amount you’re eligible to receive depends on your income as well as the size of your family. You’re still allowed to work and earn money while on BC disability assistance.

How do I qualify for BC disability assistance?

To apply for BC disability assistance, you’ll need to be at least 18 years old and must be able to prove your financial need. You’ll also have to show that you have a physical impairment that limits your ability to complete day-to-day activities. From there, you’ll need to fill out the Persons with Disabilities Designation Application on My Self Serve.

When is the next disability assistance payment?

The schedule for the next disability assistance payments is as follows:

• December 17, 2025 (for January 2026)
• January 21, 2026 (for February 2026)
• February 25, 2026 (for March 2026)
• March 25, 2026 (for April 2026)
• April 22, 2026 (for May 2026)
• May 27, 2026 (for June 2026)
• June 24, 2026 (for July 2026)

Which financial issues occupy Canadians?

If you’re struggling with your income and expenses, you’re not alone. According to the Finder: Consumer Sentiment Survey January 2025, affording everyday expenses was the top issue for Canadians (43%). Increasing income (31%) was the third most favoured answer.

Bottom line

BC disability assistance can sometimes be used to support a loan application, even if your credit history is limited or negative. You can choose among payday loans, installment loans and cash advances. Payday loans tend to be the most expensive, so explore other options first.

Frequently asked questions

• Can you get a personal loan on BC disability income?

  It depends. Lenders of personal loans have stricter eligibility requirements than payday lenders, and they are less likely to accept BC disability assistance as valid income. However, there are select alternative lenders that accept it, such as easyfinancial and MDG.

• How do I get approved for a BC disability assistance loan with bad credit?

  To improve your chances of approval, it helps to show a steady income and that your expenses are lower than your income.