You can get disability loans with bad credit; however, you won't have access to as many options as those in better financial climates. Not to mention that you won't have as much negotiating power. That said, your choices range from NED vouchers to online title loans to ABLE savings accounts to credit union funding. So, there's something for everybody. 

In the subsequent sections, we'll uncover the top five disability loans with bad credit.

5 Disability Loans With Bad Credit You Can Get

While there are other options, the best five are as follows:

1. Non-Elderly Disabled (NED) Vouchers

The U.S. Department of Housing and Urban Development offers NED Vouchers to non-elderly residents with disabilities looking for housing. The Department has offered them since 1997 in a variety of forms:

• FY 2009 NED Category 1 and Category 2 — The NOFA for Rental Assistance for Non-Elderly Persons with Disabilities came out on April 1, 2010. It made the following vouchers available:
• Category 1 — These vouchers enable non-elderly people with disabilities to get affordable housing on the private market.
• Category 2 — These vouchers enable non-elderly people with disabilities currently in nursing homes or institutions to transition into the community.
• Designated housing — They're designed for non-elderly disabled families who would've been offered accommodation in a public housing unit had it not been restricted to elderly families. 
• Certain developments — These enable non-elderly people with disabilities who don't receive housing assistance in specific developments where owners prefer the elderly. The type of developments covered by these vouchers are as follows:
• Section 8 substantial rehab projects
• Section 8 new construction projects, and those under Section 515 rural housing program
• Housing assisted as per Section 202 of the Housing Act 1959
• State housing agencies

2. ABLE Savings Account

You might be eligible for a tax-free Achieving a Better Life Experience (ABLE) savings account if you have a significant disability. The fund could help cover the costs of education, health, housing, and other qualifiable disability expenses. 

To be eligible, you must meet the following requirements:

• You don't currently have an ABLE account.
• You are blind or have a medical disability. 
• The medical disability or blindness happened before you turned 25 years of age.

Currently, ABLE accounts aren't available in every state. However, you don't have to open an account in the state where you reside. You can use the ABLE National Resource Center's Map Tool to help you find the right program. 

3. Local Credit Union Loans

If you're on a low income, you might be able to receive disability loans from a credit union. It's a great alternative to traditional lenders because they specialize in offering loans to those on benefits or with low incomes. 

Find your local credit union. They'll give you advice and support on how to deal with your financial situation and apply for a low-interest loan if necessary. 

4. The Department Of Veterans Affairs Financial Help

As a veteran with a disability, you can access financial help from the U.S. Department of Veterans Affairs. The Department offers many benefit schemes and programs, the most common being VA disability compensation. 

This program offers a monthly payment to veterans who were sick or injured while serving in the military or those whose current conditions worsened during service. The payment is tax-free, and you can qualify for VA disability pay for physical and mental conditions that developed before, during, or after active duty. 

Other programs offered by the Department of VA to disabled veterans are as follows:

• Clothing allowance — It provides an annual total for those with unique clothing requirements.
• Automobile allowance — Covers the cost of adapting a vehicle to meet your disability.
• Veterans' insurance — It's life insurance for veterans with service-related disabilities. Depending on the severity, you might receive free premiums or additional, discounted insurance coverages.
• Education assistance — Covers the cost of degrees or eligible education and training. Any dependents may also earn a degree or professional training through this VA program.
• Caregiver support — Provides monetary support and services for family caregivers of veterans.
• Vet Centers — Offers counseling and referral services to veterans struggling with mental health. 
• Pension benefits — It's a tax-free benefit payable to low-income wartime veterans who served for at least 90 days in active duty.

5. Online Title Loan

Finally, you can qualify for an online title loan if you have a disability and bad credit. We don't ask you to stipulate your reasons for acquiring the loan, and you'll receive the money you need (between $300 and $15,000, based on the value of your vehicle) in as little as 24 hours.

Just follow these steps:

1. Complete the online inquiry form.
2. Pick up the phone when one of our associates calls. 
3. Meet our loan representative at a location of your choice. Remember to bring your driver's license, lien-free title, and vehicle.
4. Wait while the loan associate decides whether you qualify.
5. If you qualify, receive the money on the same or the very next business day!

Get An Online Title Loan Right Now!

These are some of the best ways to get a loan on disability with bad credit. If other options won’t work for your situation, you can qualify for an online title loan in as little as 30 minutes. You can start by filling out the online inquiry form on this website. Try it now!

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.