When buying a car, lenders want to know that they can rely on you to maintain the monthly payments. That is why if your primary source - or only source - of income is disability, they may have a problem approving you. The problem lies in the income you are receiving. Disability, unemployment, workers compensation and retirement are just some examples of income that cannot be garnished. Lenders need to have the ability to garnish your wages in the event that you stop making your loan payments, and they cannot do this with these types of income. There are a couple ways you can improve your chances of getting approved for a car loan, even if you are receiving disability payments.