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 for you to explore. It includes loans available to individuals with poor credit or those seeking e-Transfer funding.
| Lender | Cost | Loan amount | Loan term | |
|---|---|---|---|---|
Cash Advance |
0% + monthly fee from $2 | $20 – $250 | Flexible | |
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Personal Loan |
8.99% - 35.00% | $500 – $60,000 | 3 - 120 months | Go to site |
Personal Loan |
9.99% - 35.00% | $500 – $35,000 | 6 - 60 months | Go to site |
Credit Line |
0% | $30 – $250 | 31 days, extendable | Go to site |
Cash Advance |
0% | $20 – $750 | Next pay cycle (90 days max) | Go to site |
Need e-Transfer funding and want to avoid payday loans? Check out Bree or Nyble.
| Licensed lender | Cost | Loan amount | Loan term | |
|---|---|---|---|---|
Payday Loan |
$14 per $100 borrowed | $100 – $1,500 | 7 – 62 days | Go to site |
People with bad credit can access all three loans, and sometimes they don’t need to go through credit checks.
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.
The right loan depends on your personal factors, but here are a few options worth a look for someone receiving BC disability income. Bad credit is okay too.
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 | 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 – $750 | Next pay cycle or flexible | KOHO, Bree, Nyble |
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.
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.
Payday loans share these common features:
Before applying for a payday loan, follow these steps:
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.
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.
Installment loans that accept BC disability assistance have these features:
Cash advance apps are a strong alternative to payday loans and personal loans. Here are their highlights:
Yes. Some cash advance apps can fund you via e-Transfer. You can get e-Transfer funding from Nyble and Bree. KOHO immediately sends funds to your account, so it’s also a legit option if you need quick funding.
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.
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.
Follow these simple steps to apply for disability loans in BC:
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.
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:
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.
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.
The schedule for the next disability assistance payments is as follows:
If you’re struggling with bills and expenses, you’re not alone. In 2025 and 2026, affording everyday expenses was the top issue for Canadians, based on the Finder: Consumer Sentiment Survey January 2025 and Finder: Consumer Sentiment Survey March 2026.
We searched the loans marketplace for lenders that accept BC disability and organized them in the table below. Lenders typically don’t accept government disability benefits, so options are more limited. Payday loans have been added here for comparison purposes, but it’s best to avoid them if you have other options.
We currently don't have that product, but here are others to consider:
How we picked theseTo make comparing even easier, we came up with the Finder Score. Interest rates, fees and features across 40+ personal loans are all weighted and scaled to produce a score out of 10. The higher the score the better the loan—simple.
To make comparing even easier, we came up with the Finder Score. Interest rates, fees and features across 5+ cash advance apps are all weighted and scaled to produce a score out of 10. The higher the score the better the loan—simple.
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.
Compare loans that accept KOHO when you apply for funding.
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