Your benefits count as income — get the funding you need based on your SSI or disability payments
Fast approval, funds within 24 hours
Absolutely. Millions of Americans receive Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) each month, and these benefits absolutely count as qualifying income for a loan. If you're collecting disability payments regularly, you have income — and that's what lenders care about.
At NeptuneLoan, we connect you with lenders who understand that income doesn't always come from a traditional job. Our lender partners are experienced in working with borrowers on fixed incomes and government benefits. They assess your application based on your ability to repay, not your employment status.
Whether you receive SSI, SSDI, VA disability benefits, or other disability payments, you may qualify for a loan from $100 to $5,000 through our network.
Our lender partners accept various types of disability and government benefits as income:
The loan process for SSI recipients works just like any other loan — the only difference is how you prove income. Instead of pay stubs from an employer, you'll use your benefit award letter or bank statements showing your regular deposits.
Fill out our simple 2-minute application form
Provide your SSA award letter or bank statements showing deposits
Receive a decision in minutes based on your benefit income
Get money deposited into your bank account within 24 hours
Lenders typically accept these documents to verify your benefits:
To qualify for a loan on SSI or disability benefits:
Our network specializes in working with SSI and disability recipients
Your disability benefits are your income — that's all we need
Apply in 2 minutes, get a decision in minutes, funds within 24 hours
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Your SSI or disability benefits are real income, and you deserve access to financial help when you need it. Use the loan selector above to choose your amount and check your rate — it takes just 2 minutes and won't affect your credit score.
See what loan options are available to you today. No obligation to accept any offer.
Disclosure: NeptuneLoan is not a lender. We are a loan matching service that connects borrowers with independent third-party lenders. Loan approval, terms, and funding are determined solely by the lender. APR ranges from 5.99% to 35.99%. Actual rates depend on the lender and your creditworthiness.