[header] How to get a car loan while living on disability income [title] Check your credit report 3-6 months ahead of time. [step] It is important to have the cleanest credit history possible when applying for any loan. When you're faced with the need to overcome a possible roadblock like disability income, this is even more important. 
By giving yourself six months of lead time, you can dispute any errors that may be marring your credit long before you apply. After all, the credit bureaus have 30 days to investigate each credit dispute.