One application. 15 lenders from our 50+ network. Funded in 24 to 48 hours.
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Every Apply button starts the same single application. Your chosen lender is prioritized first.
If you receive disability income, your list of available lenders is settled before your score is read.
14 of 16 lenders accept any income type. The rest require employment or self-employment, and no credit score changes that.
Applying broadly produces declines that have nothing to do with creditworthiness.
| Income accepted | Lenders |
|---|---|
| Any type, including benefits | 14 |
Among lenders accepting any income type, the test is regularity and verifiability, not source.
What matters is that deposits are regular, land in the account being verified, and meet the lender's minimum. 16 lenders publish one, most commonly $1,200 per month.
Medical-purpose requests average $459 at everyday scale and $4,700 at instalment scale, below the all-purpose averages at both.
Medical borrowing in Canada is mostly small and immediate. Prescriptions, dental work, mobility aids, travel to appointments. Not large planned procedures.
Disability Tax Credit. Claimable retroactively for up to ten years. For someone eligible who has not claimed, that is often larger than the loan being considered, and it is not borrowed money.
Provincial special allowances. Most provincial disability programs have discretionary allowances for equipment, moving costs, and emergencies that do not appear on standard benefit statements. Ask the caseworker directly.
Ask the provider for time. Utilities, landlords, dental offices, and pharmacies will often arrange a no-interest payment plan if asked before the account goes to collections.
Zero-interest advances. At the amounts most common here, Bree and Nyble offer 0% APR. Under $750, that is almost always the cheapest option.
Approval on benefit income is usually delayed by verification, not assessment.
Yes. Lenders accepting any income type accept provincial disability support, assessed on deposit regularity rather than source. 14 of 16 lenders accept any income type.
Yes, at lenders accepting benefit income. It is regular, government-issued, and verifies through banking.
Income type is the harder gate. Some lenders accepting benefit income do not publish a minimum credit band. Filtering on income type first removes more declines than filtering on credit.
It depends on the amount and regularity of income rather than its source.
Loan proceeds are generally not treated as income because they are repayable, but treatment varies by province and program. Confirm with your caseworker before borrowing anything significant.
