Disability Car Financing in Edmonton
Benefit income can count toward a car loan. Here is what lenders usually look at, and when to call us before you apply. Edmonton is within our 300km delivery range.
Last reviewed: October 2026
What lenders typically need
AISH, ADAP and CPP Disability are steady, documented income, and lenders do look at them. They also add up anything else you can prove, so bring every income letter you have.
In our experience, lenders typically look for about $2,800 a month in income you can prove, from all sources combined. Benefits like AISH, ADAP, CPP Disability, EI and the Canada Child Benefit can count toward that alongside work or support income. Every lender decides each file. If you're under that, talk to us first — a co-applicant, a larger down payment or a few months of income history can change the picture.
Can I get a car loan in Edmonton on AISH or disability income?
Often, yes. AISH, ADAP, CPP Disability and other fixed disability benefits can count as income when you can document them. Lenders add up every source. In our experience, about $2,800 a month in total income is where files tend to work. Every lender decides each file.
Where to go from here
Key Facts
- AISH / ADAP
- Benefit letter shows your income
- CPP Disability
- Benefit statement shows your income
- Typical target
- About $2,800/mo total income
- Lender network
- 21+ lenders, one bureau pull
- Distance from Edmonton
- 265 km south — ask us about delivery
Fixed Income Is Read Differently by Specialist Lenders
21+ lenders — including those with fixed-income disability programs
We submit your file once and shop every lender that fits your profile, from deep-subprime specialists to prime lenders, including major-bank programs we can access through our lender network.
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. Since July 2026 many people who were on AISH are on ADAP; bring the letter you have now.
CPP Disability (CPP-D)
Federal CPP-D payments are paid on a set schedule and easy to document.
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
Disability payments plus part-time wages add together. Bring pay stubs for the work income.
Disability Car Financing Edmonton — Questions Answered
Can I get a car loan in Edmonton if I receive AISH or ADAP?
Often, yes. Lenders can count AISH and ADAP as income, and they look at your total income from every source you can prove. In our experience, about $2,800 a month is where files tend to work. Every lender decides each file. If you are under that, call us first and we will be straight with you.
Does CPP Disability count as income for a car loan in Edmonton?
It can. CPP Disability pays up to $1,741.20 a month in 2026, though the average new beneficiary receives less. Lenders use your own letter, so bring your CPP Disability statement. They add it to any other income you can prove, like a partner's income, part-time work or another benefit.
How much does AISH pay in 2026?
AISH pays up to $1,940 a month as of July 2, 2026, and ADAP's core benefit is $1,740. Since July 2026 most people who were on AISH moved to ADAP. Your award letter shows your real amount, and that is what lenders use.
What if my total income is under what you usually see work?
Talk to us before you apply. A co-applicant with steady income, a larger down payment or a few months of income history can change the picture. We would rather give you a straight answer by phone than have you apply and collect a credit inquiry for nothing.
Do you deliver to Edmonton?
Edmonton is inside our 300km delivery range from Airdrie, about 265km. Ask us about timing, cost and how the paperwork works for your address before you commit. Terms vary by vehicle, and we will tell you honestly what is possible.
Can you help me find a vehicle with accessibility features?
We can look for vehicles with features you need, such as an automatic transmission, entry height or cargo room for mobility equipment. Tell us what matters during your application and we will search with that in mind. Equipment modifications are a separate question to raise early.
I receive ODSP. Is that an Alberta program?
No. ODSP is Ontario's program. Alberta's are AISH and ADAP. If you recently moved from Ontario, income you can document still matters, but your Alberta benefit status does too. Call us and we will go through your situation. Every lender decides each file.
Sources (checked October 2026): Government of Alberta — AISH and ADAP financial benefits summary, Government of Alberta — Alberta Disability Assistance Program, Government of Canada — CPP disability benefit amount. Benefit amounts change; your own letter shows your real amount.
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Apply online in three minutes, or call us if you are under about $2,800 a month or not sure. A finance specialist reviews your file and contacts you. We will be straight with you about what could work.