If you receive income from the Ontario Disability Support Program (ODSP), you can apply for a payday loan, cash advance or installment loan. Payday loans are instant, but they’re very expensive. Cash advances and installment loans can be cheaper alternatives.
Find out how to borrow money fast from online lenders when you’re on ODSP.
The following options are not payday loans. KOHO, Bree and Nyble fund loans 24/7 and don’t check credit.
| Lender | Cost | Loan amount | Loan term | |
|---|---|---|---|---|
Cash Advance |
0% + monthly fee from $2 | $20 – $500 | Flexible | |
|
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+ Get a $75 digital Visa card when you open and fund a new KOHO account online through Finder as a first-time customer. Become a Finder member in seconds for free. Keep the account open until February 15, 2027. Offer ends December 30, 2026. T&Cs apply. |
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Personal Loan |
8.99% - 35.00% | $500 – $50,000 | 3 - 120 months | Go to site |
Personal Loan |
9.99% - 35.00% | $500 – $50,000 | 3 - 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 |
| Licensed payday lender | Interest rate | Loan amount | Loan term | |
|---|---|---|---|---|
Payday Loan |
$14 per $100 borrowed | $100 – $1,500 | 7 – 62 days | Go to site |
If you’re receiving ODSP and need a loan, the three main types of loans available are payday loans, cash advances and personal loans. Compare their key features below to find the right fit for you.
| Feature | Payday loans | Cash advances | Personal loans |
|---|---|---|---|
| Rates | $14 for every $100 borrowed (365% APR) | 0% APR if you opt for free 1- to 3-day delivery, otherwise the fee equates to over 20%, sometimes even over 50%. | 6.99% to 35% |
| Loan amounts | $100 to $1,500 | $20 to $750 | $500 to $10,000 |
| Loan terms | Up to 62 days | Next pay cycle or flexible | 3 – 60 months |
| Credit check required | Sometimes | No | Usually |
| E-Transfer funding | Common | Common | Not common |
| Speed | Instant | Instant for a fee | Within 24-48 hours |
| Eligibility | Fairly equal to cash advance apps, easier than personal loans | Fairly equal to payday loans, easier than personal loans | Harder than payday loans and personal loans |
| Credit score | Good credit not required | Good credit not required | Good credit not required |
| Income requirements | Flexible | Flexible | Less flexible |
| Application | Apply online or in person | Apply online only | Apply online or in person |
The annual percentage rate (APR) is the total annual cost of a loan. So for a payday loan, repeating that short-term fee every two weeks pushes the true annual rate to 365%.
Yes, there are payday lenders that accept ODSP income and can e-Transfer money to you 24/7, such as iCash and Loan Express.
To get e-Transfer payday loans in Canada, make sure your bank account is registered for Interac e-Transfer.
Yes, several lenders offer ODSP payday loans online on the same day you apply. But you’ll need to go through instant bank verification, which is a faster review process than the traditional way. With this method, you log in to a secure third-party portal (such as Flinks) to give the lender view-only access to your bank statements. This lets them quickly verify your identity, analyze your finances and make a decision right away.
Fast payday lenders can fund you in as little as two minutes after approval via e-Transfer. Here’s a list of lenders to consider:
Some legitimate lenders in Canada, like iCash, advertise no refusal payday loans for ODSP loan recipients, but even they have some criteria for approval. “No refusal” simply refers to loans with very minimal eligibility requirements.
That said, you should still be wary of any lender offering “no refusal” or “guaranteed approval” ODSP payday loans. These catchy taglines, along with “no credit check,” are classic tactics scammers use to reel in people who are in tough financial situations.
Not all lenders accept government disability income. Based on our research, here’s a list of licensed payday lenders in Canada that don’t offer ODSP payday loans. Some of these providers might accept private disability income but not government disability income.
We asked Smarter Loans, a Canadian loan search platform partnered with 50+ lenders, what trends they’ve seen in payday loan eligibility.
"Approval rates can move a bit with the calendar. When applications surge just before rent or mortgage due dates, lenders tend to lean more on recent bank activity, income regularity and existing obligations to keep default risk in check. If a borrower’s account shows repeated NSF fees or multiple short-term loans already in the month, that can weigh on eligibility."
If you intend to apply for a payday loan several days before month-end, showing you have more money going into your bank account than coming out of it is crucial.
Yes, you can get ODSP loans without a credit check. Rather than focusing on your credit score, lenders focus on your income, debts and expenses.
Examples of lenders that don’t do credit checks and do accept ODSP include Cashco, KOHO, Bree and Nyble. KOHO, Bree and Nyble are not payday lenders but cash advance providers.
Cash advance apps first launched in Canada in 2021. These are small loans, usually up to $750, designed to pay for emergency bills or avoid overdrafts. Cash advance lenders are open to many types of income, including ODSP.
Finally, you have ODSP installment loans, which generally offer larger amounts than payday loans and cash advances. They’re also cheaper than payday loans. Unfortunately, not many installment loan lenders consider ODSP as valid income.
Eligibility requirements vary by lender, but generally, you’ll need to:
With so many options presented to you, how do you know which one is right for your situation? Here are some factors to consider:
Applying for ODSP loans online is straightforward:
Keep these tips in mind for a less stressful experience:
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The Ontario Disability Support Program (or ODSP) covers the costs of basic needs (like food, clothing, shelter and prescriptions) for Ontario residents who have physical or mental impairments that affect their day-to-day functioning.
To qualify, you’ll need to be assessed by a medical doctor, then assigned a caseworker who will manage your file. They’ll determine how much money you’re eligible for each month.
ODSP payments are deposited into your bank account around the last working day of each month. After your application is approved, a caseworker will reach out to discuss details of your benefits, including when your first payment will be sent. Here’s the 2026 ODSP payment schedule for upcoming payments:
| Benefit month | Payment date |
|---|---|
| September 2026 | September 29, 2026 |
| October 2026 | October 30, 2026 |
| November 2026 | November 30, 2026 |
| December 2026 | TBC |
We searched the marketplace for lenders that accept ODSP and organized them below. Unfortunately, many lenders don’t accept government disability benefits, so options are more limited, but we do update this table whenever a suitable lender emerges.
Payday lenders have been included for comparison purposes. It’s best to avoid them if other options are available.
To 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 providers are all weighted and scaled to produce a score out of 10. The higher the score the better the loan—simple.
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