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Payday Loans with Government Benefits

Loan Express | December 22, 2021

Loan Express does not require credit checks, decline a loan based off a credit check, nor do credit checks affect the minimum approved amount of the loan. The following article is purely for educational purposes.

In Canada, payday loans for those on government benefits are provided to Canadians who receive income through a program. These quick cash advances help you pay off expenses and afford things like food or medical bills before they become emergencies, so an unexpected financial burden doesn’t put added stress onto the circumstances.

While not every lender will approve loans based on government benefits, Loan Express recognizes Pension, Disability, and most other Government benefits paid regularly as income eligible for a payday advance. 

Canadians choose Loan Express because it is more convenient, easy, has fast approval, and has more flexible requirements than other types of financial help. 

Payday loans should be available to everyone, especially those who need money quickly. Whether you’re on government benefits or have bad credit and low income, there is a chance for eligibility for a loan amount up to $1,500!

Type of Loans for the People on Benefits

There are different payday loans for Canadians who are on benefits and need emergency cash. Note that it is completely up to the lender to determine which kind of benefit qualifies as established income. 

Typical loans for Canadians on government benefits include: 

  • Payday Loans for Unemployed on Benefits in Canada
  • Payday Loans for Disability Income in Canada
  • Payday Loans that Accept Child Tax
  • CPP Payday Loans
  • AISH Payday Loans
  • ODSP Payday Loans

Payday Loans for Unemployed on Benefits in Canada

Loan Express lends on CTC, CPP, Pension, Disability, and many other guaranteed incomes. We do not lend on unemployment benefits such as EI or CERB at this time. 

Payday Loans for Disability Income in Canada

The federal government and private lenders alike understand that dealing with the long-term effects of disabilities can be challenging. If you’re receiving assistance due to long-term injuries, then applying for a cash advance on your disability benefits could help get things back on track. 

Payday Loans That Accept Child Tax

If you have children and receive the child tax benefit, the monthly payments can be used as an established income to apply for a payday loan from Loan Express.

Payday Loans for CPP

The Canadian Pension Plan, also referred to as CPP, qualifies as a monthly income for borrowers. This is especially beneficial for those who are no longer working and need a quick loan. 

Payday Loans for ODSP

The Ontario Disability Support Program, also referred to as ODSP, qualifies as a guaranteed source of income with Loan Express. 

Payday Loans for AISH

The Assured Income for the Severely Handicapped, also known as AISH, can be used to get a payday loan. Getting the money you need is fast and easy with Loan Express!

Type of Loans for the People on Benefits

Why Choose for Loan Express?

Loan Express understands that life doesn’t revolve around when you receive your next government benefit. No matter the time of day, we make it easy for those who qualify to receive a smart loan of up to $1,500 to help you cover expenses that can’t wait. 

Whether you apply online or over the phone, our applications are quick and easy. If you apply online, we can quickly validate your approval request, and the money will be in your account within 5 minutes!

Loans for Those on Benefits Even with Bad Credit

Unlike traditional lenders, Loan Express welcomes those with good or bad credit to apply. We will never decline an application based on your credit history, and we do not conduct credit checks unless you ask us to. As long as your government benefit qualifies as an established income, you can receive cash fast!

Flexible Loans for People on Government Benefits

Loan Express strives to improve your financial situation without putting you deeper in debt. We only approve loans for amounts that we know will be able to repay; transparently explaining the costs of such a loan is essential information. Paying back your loan is flexible and straightforward. When you apply for a loan with Loan Express, you work solely with us from funding and re-payment.

The #1 Loan Company That Accepts Government Benefits

We take pride in our work and have received an excellent 5-star rating on TrustPilot with over 3,644 reviews. 

“I’ve been using for over a year now when I need it. This is the only service in my city of this type: online and will loan against child tax, plus quick email transfers. They’ve saved me a few times when I needed gas/pay a ph bill or to pay my car insurance last minute. Knowing I have access to quick loans day or night, any day of the week is comforting as a single parent trying to get us through this pandemic. Thank you Loan Express.” – Nichole Dawn

“I highly recommend coming to Loan Express. Fast, friendly service. I got into some financial trouble in the past and now have poor credit. I am also on Disability, and they helped me with what I need to get through in this tough time. The staff are awesome, super inviting, helpful and courteous.” – Misty D. 


What Locations Do We Loan in Canada?

Currently, Loan Express provides fast and easy access to online payday loans in the following provinces:

  • New Brunswick
  • Nova Scotia
  • Ontario
  • Manitoba
  • Saskatchewan
  • Alberta
  • British Columbia
  • Yukon
  • Newfoundland and Labrador
  • Nunavut 
  • Northwest Territories

What Do I Need to Qualify for a Payday Loan While on Canadian Government Benefits?

Loan Express has proudly offered instant loans across Canada since 2005. Over 15 years of lending, we have helped hundreds of thousands of Canadians put their finances back on track with our easy-to-use smart loans.

To apply with Loan Express, you must:

  • Be 18 years of age or older
  • Have a bank account open and in use for at least 30 days
  • Receive CTC, CPP, Pension, Disability or Payroll that is on Direct Deposit

Can I Get Loan Approval Even If I Have Bad Credit?

Of course! No matter your credit score, you can apply for a short-term loan with Loan Express. Our smart loans of up to $1,500 help you cover expenses that can’t wait and are a more accessible alternative to loans offered by banks and financial institutions with exorbitant fees for those with bad credit.

How Much Is the Maximum That I Can Borrow If I Am on Government Benefits? 

The maximum amount you can borrow from Loan Express is $1500 for a term of no more than 62 days. To learn more about our interest rates, visit: