Our technology connects directly with lenders to submit your application where you're most likely to be approved - protecting your credit score and saving you time.
Apply where you're most likely to be approved. Our system analyses your profile against real lender criteria to find the best fit.
One soft credit check instead of multiple hard inquiries. We match you with lenders before they pull your full credit report.
Our technology is integrated directly with lenders. We handle the paperwork and submit your application to the right places.
We work with lenders who support a wide range of credit profiles, helping borrowers with past challenges access realistic financing options.
Get funded in three simple steps
Apply once through a secure online form in under 5 minutes. We'll ask about you, your funding needs, and basic financial information.
Our platform assesses your application against real lender criteria and routes it directly to the lender where approval is most likely.
Once approved, funds are deposited directly into your bank account - often within 24-48 hours.
Living with a disability can create added financial pressure, especially when income is limited or medical and accessibility costs add up. Smarter Loans helps Canadians on disability income get approved for personal loans designed to support essential needs when traditional lenders may decline applications.
Disability loans are a type of personal loan available to individuals receiving income from programs such as CPP Disability, ODSP, AISH, or other provincial and federal assistance plans. Approved borrowers may qualify for loan amounts typically ranging from $1,000 to $50,000, depending on income, province, and overall financial profile.
These loans are commonly used to cover medical expenses, mobility or accessibility equipment, home or vehicle modifications, education costs, debt consolidation, or everyday living expenses. Many lenders assess applications based on stable benefit income rather than employment alone, making approval possible even with less-than-perfect credit.
With Smarter Loans, you complete one simple online application, and your request is assessed by lenders experienced in approving loans for Canadians on disability income. Decisions are often available within 24 to 48 hours, with fast access to funds once approved.
✅ Disability income accepted
✅ Loan amounts from $1,000 to $50,000
✅ Common uses include medical, accessibility, and living expenses
✅ Bad credit may still qualify
✅ Fast decisions and quick funding across Canada
One application gives you access to multiple financing options
Installment loans offer predictable monthly payments and are available to many Canadians receiving disability income.
These loans are designed for borrowers on CPP Disability, ODSP, AISH, or similar programs and may be approved even with less-than-perfect credit.
Shorter repayment terms may be easier to qualify for when income is limited or credit history is challenged.
Smaller loan amounts often come with simpler approval criteria and faster funding.
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