Loans for Disabled Persons with Bad Credit

Do disability and bad credit seem to kill your hope of getting a loan? You can either turn to disability loan or disability loan alternatives for help.

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What Are Loans for Disabled Persons?

Loans for disabled people are short-term loans for people with disabilities who may face challenges when accessing loans from lenders and banks. It allows a person with a disability to apply to an online lender, bank, or credit union and get funds that cater to everyday expenses like mortgages, groceries, or personal effects.

How to Prove Your Disability?

There are three ways to prove your disability status:

  • Via the US Department of Veterans Affairs
  • The SSA
  • A certified M.D physician

With the first two, you are required to submit supporting documentation that you are indeed disabled or suffer from one form of disability. If this is approved, you will qualify for a Total and Permanent Disability discharge document.

If you are not a veteran and do not qualify for SSI or disability insurance, a medical physician can certify you as disabled and unable to work if:

  • your condition can lead to death.
  • you have been in bed for up to 60 months.
  • or expected to last beyond 60 months.

What Are the Pros and Cons of Loans for Disabled Persons?

Below are the pros and cons of taking out a loan as a disabled person.


  • It helps solve a pressing problem while you are waiting for your disability application to be processed.
  • There are countless options to choose from, suitable for your conditions and immediate needs.
  • You get approved faster.


  • The interest rate is high for unemployed or non-working disabled people, which is not very friendly.
  • High-interest rates may give rise to an extension of payment duration, leaving you in debt for years.
  • Lenders do not give long-term repayment periods. This means borrowers pay high amounts each month within a short time frame.

When Should You Apply for Disability Loans?

It takes 3 to 5 months for the government to process your SSI. So you may need to apply for disability benefits under the following circumstances.

  • If you have an impromptu demand or need that must be met, such as a mortgage, bill payment, or even food, you can apply for a disability loan.
  • If your disability benefit will not be approved any time soon and you need the extra money to cover essential expenses.
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Loan Offer That Goes in Your Favor

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Will Your Government Benefits Be Affected Because of Disability Loans?

Yes, taking out a disability loan will affect your government benefits. Assuming you take out a disability loan and receive your government benefits in the same month, you must expend the amount in the same month you received it. If you cannot spend it, it must be declared as an asset in the following month. Your benefit amount may be cut or you may be disqualified from receiving the benefit the month or the following month.

Can I Apply for Loans for Disabled Persons with Bad Credit?

Yes, disabled people qualify for a loan with bad credit.

Some requirements must be met, and, instead of no credit check, you shall expect the lender (s) to run a soft credit check. When seeking a disabled loan with bad credit, ensure you do the following.

  • Go for small amounts.
  • Clarify the reason for the loan.
  • Ensure all documents are available and updated. These include proof of identity, income verification (if you are still earning), bank statements, tax returns, and proof of address.
  • Have a valid means of identification like a driver’s license or any other
  • Submit your bank details, including account number, bank name, and routing number, where the money will be sent if approved.

A Disability Loan Alternative for Disabled Persons with Bad Credit?

Disabled people with a stable income or job have a better chance of applying and getting a lender’s approval for a loan. However, if you have bad credit, the chances are slimmer, but there is always a way.

Our platform connects people seeking an online loan to the appropriate lenders who provide a variety of choices, from a payday loan, an installment loan, a title loan to a bad credit loan. The process is as follows:

  • Fill out the online form with your details and submit the form.
  • Accept the offer
  • Sign an agreement
  • Get the money into your checking account.
  • Why US Bad Credit Loans?
    Will bad credit be accepted?YesIdeal for bad credit
    What is the max loan amount?$35000Zero hidden charges
    What is the max loan term?36 monthsFlexible repayment options
    Can I repay the loans in installments?YesConvenient repayments
    Are there credit checks?YesSoft search only
    How can I apply?Apply onlineInstant application

How Much Can I Get From Lenders?

The lower the credit score, the smaller the loan. If you qualify for the loan, the amount varies. However, the value ranges from a minimum of $50 to a maximum of $5,000 at each approval.

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Need a Disability Loan? You Can Also Try a Disability Loan Alternative!

With USBadCreditLoans, you will never be stranded when you need cash. There is no tedious paperwork, nasty interests, or long processes.

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