Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florida. ...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: May 19, 2021

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  • The government, banks, and credit unions all offer loans for people with disabilities
  • Government loans have lower interest rates and better repayment options but are usually harder to qualify for
  • You can go online to find out if you qualify for grants from private foundations and nonprofits

If you’re an American with a disability, you’ve probably had to overcome challenges others haven’t experienced. But did you know there are many grants and loans for people with disabilities that can help lighten the load?

You may think that because of your disability, it will be difficult to find affordable loans for people with disabilities.

Fortunately, this is not the case, and many lenders offer auto, mortgage, and student loans specifically designed for disabled people.

Keep reading below to learn about the many loans, grants, and financial assistance programs, both public and private, available to disabled people.

Before you do, enter your ZIP code into our free comparison tool above to buy loans for people with disabilities today.

What are loans for people with disabilities?

If you’re disabled, you may worry that your disability will affect your ability to qualify for loans to pay for your car, home, and other expenses.

Fortunately, this is not the case. In fact, many banks and credit unions offer personal loans designed specifically for disabled people with lower interest rates and less stringent eligibility requirements.

While these programs may not be advertised openly, talk to a bank or credit union representative and ask for quotes on loans for people with disabilities. They’ll point you in the right direction.

Additionally, there are gov loans for disabled people. These government loans have better interest rates and repayment terms than private loans, but the approval criteria is much stricter.

For example, a USDA housing repair loan for someone who has to modify their home due to a disability can be repaid over 20 years with only a 1% annual interest rate.

However, the highest amount you can borrow is $20,000, you must make under a certain income, live in a certain area, and you must be unable to find credit elsewhere.

Gov loans for disabled people have better terms but are harder to qualify for.

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What are grants for people with disabilities?

If you’re struggling to make ends meet and are wary of taking out a loan you may be unable to repay, grants are another option available to you.

Unlike loans, grants don’t have to be paid back over time. There are many public and private grants for individuals with disabilities.

However, these may not be widely advertised, so you will have to do some research to find grants you qualify for.

For example, low-income Americans who are unable to work due to a disability may qualify for Supplemental Security Income. As a grant, this money does not have to be paid back.

There are also many foundations and nonprofits that offer private grants for individuals with disabilities.

These grants help disabled people pursue education and sports, and it helps them modify vehicles and homes to better accommodate themselves.

Is there financial assistance for disabled adults?

In addition to both loans and grants, there are a host of other programs that provide financial assistance for disabled adults.

One such program is Medicaid, a government program that provides health care coverage to people with disabilities.

Another such program is an ABLE savings account. Created as a result of the Achieving a Better Life Experience Act of 2014, ABLE accounts are tax-advantaged savings accounts for individuals with disabilities and their families. Any income earned in these accounts is not taxable.

These are only a couple of the many different programs that offer financial assistance for disabled adults.

Now that you know what’s available to you as a disabled person, enter your ZIP code below to compare interest rates on loans for people with disabilities today.