Disability Car Financing in Edmonton
AISH and CPP-D income accepted. Fixed income qualifies. 21+ lenders, free delivery to Edmonton and the Capital Region.
Last reviewed: May 2026
Can I get a car loan in Edmonton on AISH or disability income?
Yes. AISH, CPP-D, and other fixed disability benefits are accepted as income by lenders in our 21+-lender network. Your benefit confirmation letter replaces pay stubs. Free delivery to Edmonton.
Key Facts
- AISH accepted
- Yes — benefit letter as income document
- CPP-D accepted
- Yes — treated as stable fixed income
- Lender network
- 21+ lenders, one bureau pull
- Distance from Edmonton
- 295km south — free delivery
- Accessibility discussion
- Vehicle features considered during selection
Fixed Income Is Not a Disqualifier
Edmonton Disability Income? Get Your Options
AISH, CPP-D, and fixed income accepted. 21+ lenders, free delivery across Edmonton and the Capital Region.
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21+ lenders — including those with fixed-income disability programs
Our partner network spans prime through deep-subprime tiers. We submit your file once and shop every lender that fits your profile.
Income Sources We Work With for Edmonton Disability Applicants
AISH (Assured Income for the Severely Handicapped)
Alberta's primary disability income program. AISH payments are monthly, consistent, and do not require renewal under normal circumstances. Your AISH eligibility letter is your income verification document.
CPP Disability (CPP-D)
Federal CPP-D payments are indexed and stable. Lenders view federally administered disability benefits as among the most reliable income types — comparable to pension income in terms of payment certainty.
Long-Term Disability (LTD) Insurance
Private LTD payments through an employer group benefits plan count as income. Bring your most recent LTD benefit statement and confirmation that benefits are ongoing. Expiry dates relative to loan term matter to the lender.
Part-Time Employment + Disability
Many Edmonton residents on AISH or CPP-D work part-time within their benefit allowances. Combined income — disability payments plus part-time wages — strengthens your application. Both income streams count.
Disability Car Financing Edmonton — Questions Answered
Can I get a car loan in Edmonton if I receive AISH?
Yes. AISH is treated as verifiable fixed income by subprime lenders. Monthly AISH payments are predictable and do not fluctuate — which is a strength in the lender's risk model compared to variable employment income. Bring your most recent AISH letter confirming your benefit amount.
Does AISH or CPP-D income count toward car loan qualification in Edmonton?
Both AISH and Canada Pension Plan Disability (CPP-D) count as income for financing qualification. Government disability benefits are stable, non-cancellable income sources. The benefit confirmation letter serves as your income document — no pay stubs required.
Can you help me find a vehicle with accessibility features?
We discuss your mobility and accessibility requirements during vehicle selection. We can search for vehicles with specific features — automatic transmission, particular seat configurations — within your approved financing parameters.
Do you deliver to Edmonton for disability financing customers?
Free delivery to Edmonton and the Capital Region is standard for every purchase. We are 295km south in Airdrie. The 300km delivery radius covers Edmonton and all surrounding communities.
I receive ODSP — is that an Alberta program?
ODSP is Ontario-specific. Alberta's equivalent is AISH. If you recently moved to Edmonton from Ontario, your Alberta AISH application status or employment income is what Edmonton-based lenders will use for qualification.
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What Our Customers Say
“Luke was awesome to deal with and made the car buying experience enjoyable again for me and my wife after a few very unpleasant interactions in the past. I would highly recommend if someone is looking for a great car buying experience.”
“Victoria and Luke were very courteous and delivered excellent service. They made sure to get the best financial service, and the promise of after service support was amazing. If I could rate them more than 5, I would.”
“Great experience with the team at Shift. The whole experience was easy from start to finish. Wes was quick to respond and answer all my questions. Luke was a dream with the paperwork. Was nice to meet them both when they delivered my new fancy ride!”
Apply Today — Delivered to Edmonton
AISH and disability income accepted. Apply online in three minutes. A finance specialist reviews your file and contacts you with options. Free delivery to Edmonton and the Capital Region.