State Financial Loan Programs for Adaptive Equipment

As the creators of the GRIT Freedom Chair, we feel strongly that a lack of money shouldn't prevent anyone from being able to live life beyond the pavement and enjoy the freedom of outdoor mobility.  We've already created this list with some helpful suggestions for financial assistance, but we want to do more to help. Read on for a list of Financial Loan Programs organized by State.


"Alabama’s Alternative Finance Program (The Ability Loan Program) for individuals with disabilities and their families allows applicants to borrow money at low-interest and/or for extended terms for the purchase of assistive technology, adaptive equipment, and related services. Alternative financing needs may include but will not be limited to a means of: a) paying for devices not covered by public programs; b) providing a loan sooner than other public programs, and/or; c) having another funding source available."

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"The Assistive Technology (AT) Loan Fund helps improve the quality of life for individuals with disabilities through a flexible loan option program that allows them to purchase needed AT to improve independence and productivity which will decrease the need for public support. This option may allow customers to access a lower interest rate and/or longer term repayment timelines based on their individual needs."

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"AzLAT is an alternative financing program designed to assist individuals with disabilities (or others on their behalf) to borrow money at affordable rates for the purchase of assistive technology. Qualified applicants (persons who can demonstrate ability to repay the loan) may be approved to borrow money in amounts ranging from $500 to $20,000. Pre-loan support services, flexible repayment terms, below market interest rates, and no prepayment penalties are unique features of this consumer responsive program which are not often found through more traditional lenders."

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"iCAN is the Arkansas statewide Assistive Technology program designed to make technology available and accessible for everyone who needs it. Assistive technology (AT) is any kind of device or tool that helps people live, learn, work, and communicate more independently. . . . The services offered by iCAN are available to all Arkansans, regardless of age, geographic area, disability, income or eligibility for any other service."

CLICK HERE to learn more


California.jpg
"The FreedomTech Financial Loan Program provides low-interest financial loans for Californians with disabilities and their families to purchase needed assistive technology (AT) when other funding sources are not available. Applicants can request loans from $500 to $15,000. FreedomTech also provides financial education and resources."

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"The Easter Seals Assistive Technology Alternative Financing Program* can help you affordably acquire the equipment you need to live safely and independently by helping you secure a lower interest loan through our lending partners . . . The program is open to Delaware residents of all ages with disabilities of all types; seniors with age-related functional limitations; and family members caring for someone with a disability."

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"[Florida's] New Horizon Loan Program offers loans for the purchase of assistive technology starting at $3000.00 up to $30,000. We also offer business loans up to $20,000. Our loans have reasonable, below market interest rates and terms."

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"The Credit-Able Program is here to assist Georgians with disabilities get financial access to acquire the assistive technology (specialized software, computer equipment, home modifications, vehicle modifications, etc.) they need to be independent. The Credit-Able program is also a resource for financial education and to educate consumers about the importance of financial health, credit and resource management."

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"ATRC, in partnership with American Savings Bank, is making reduced-interest, extended-term loans available to qualified borrowers to purchase the vital assistive technology that can improve or maintain your level of independence, productivity, and quality of life. A loan can range from $500 to $30,000 and can be used for any AT purchase."

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"The Idaho Assistive Technology Financing Program is a consumer-directed program funded by both private and public money that is designed to help Idahoans obtain and use the assistive technology they need to be successful in employment, education, recreation, and in the community. "

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Illinois

ATLoan$

"[Illinois Assistive Technology Program] IATP has a loan program specifically for individuals with disabilities and their family members, guardians, advocates and authorized representatives, who are residents of the State of Illinois. IATP ATLOAN$ are available to purchase assistive technology for daily living."

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"[Indiana Assistive Technology Act (INDATA) program] provides low-interest extended rate financial loans to qualified individuals through the Alternative Financing Program (AFP). AFP loans are for assistive technology devices . . . This program is for Indiana residents who have a documented disability and who need assistive technology. If the person with the disability is under 18 years of age, then the legal guardian may complete the application process."

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"The Iowa Able Foundation is a non-profit providing direct lending services. We are a regulated lender licensed in the state of Iowa. For the Alternative Financing Program and Business Loan Program, loans range from $500 to $25,000. Loans can be used on their own or paired with donations or funding from other programs."

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Kansas

K-Loan

"K-Loan is an Alternative Finance Program offered through Assistive Technology for Kansans (ATK), the statewide assistive technology program, coordinated by the University of Kansas. K-Loan was established and is directed by persons with disabilities. It is a consumer-run program designed to provide persons with disabilities and their families with access to financial resources toward acquiring assistive technology through education, saving and borrowing."

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"The Kentucky Assistive Technology Loan Corporation (KATLC) offers low interest loans for qualified applicants with disabilities who need assistive technology. Working with its lending partner, Fifth Third Bank, KATLC can provide loans for modified vehicles, hearing aids, adapted computers, mobility devices, augmentative communication devices or any other type of equipment or home modification that will improve the quality of life or increase the independence of Kentuckians with disabilities."

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"At LATAN we believe AT should be easier for people to access. So, we created a more flexible, accessible solution. Our Financial Loan Program provides truly unique and more accessible loans toward assistive technology. We offer lower interest loans than you would find elsewhere. Additionally, we give you the option to extend your term, which can decrease your monthly payments. If you qualify, we can even guarantee your loan."

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"mPower provides flexible term loans to individuals with disabilities in Maine. mPower funds can be used to purchase adaptive equipment, Assistive Technology, or to make home modifications . . . mPower Loans of $250 to $100,000 are available to Maine residents and businesses only."

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"The Assistive Technology Loan Program helps Maryland residents with disabilities and their families qualify for low-interest loans to buy equipment that will help them live, work, and learn more independently."

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"The Massachusetts Assistive Technology Loan Program, operated by Easter Seals Massachusetts, is an alternative financing project that gives people with disabilities and elders access to low interest cash loans to purchase assistive devices and services. The program has many options that can help — even for people who don’t think they would qualify for a loan."

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"The Michigan Assistive Technology Loan Fund allows people with disabilities and seniors (or their family embers) to purchase assistive technology devices or services, including modification of vehicles and homes. Loans may also cover cost of training to use the purchased equipment, warranties, and service agreements."

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Minnesota

EquipALife

"EquipALife is a nonprofit organization providing access to life-changing equipment and services for people with disabilities. We are your statewide resource for adaptive equipment from A to Z. We create a lifeline for financial solutions, professional support, education and training. EquipALife helps people become more self-sufficient at work, at home, in school and out and about the community."

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"Show Me Loans offers low-interest loans to Missourians with a disability. The general loan enables Missourians an option to buy assistive technology equipment and devices, home access improvements or vehicle access modifications for persons with disabilities in Missouri."

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"RDI Community Lending offers Montana Access Loans providing Montanans with disabilities, or their family members, the ability to purchase assistive technology (AT), for a variety of needs."

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"Alternative Financing Solutions is a service of Easterseals Nebraska that provides low-interest loans for the purchase of assistive technology devices and services . . . Any Nebraskan with a disability, aged individual, or family member are eligible to apply for a loan. Our loan programs can help people of all ages and income levels."

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"CARE Chest is a Northern Nevada nonprofit agency serving individuals in need by providing medical resources, free of charge. . . . CARE Chest connects clients with resources like home and vehicle modifications and assistive technology. CARE Chest also administers a low-interest loan program to fund similar projects."

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"National Disability Institute (NDI) can help you find and afford assistive technology. NDI’s Assistive Technology (AT) Loan Program provides affordable loans from $500 to $30,000 for residents of New Jersey."

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"Access Loan New Mexico is a statewide, low interest loan program that allows New Mexicans with disabilities to purchase assistive technology or make home modifications so that the individual can live more independently or productively."

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"National Disability Institute (NDI) can help you find and afford assistive technology. NDI’s Assistive Technology (AT) Loan Program provides affordable loans of $500 to $10,000 to residents of New York City, Brooklyn, Nassau, Staten Island, Suffolk, Queens and Westchester Counties."

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"Thanks to a federal grant, Self-Help offers loans for assistive technology that are more affordable than ever. Our loans can cover almost any equipment to boost quality of life for a person with disabilities—like hearing aids, vehicle upfits and more. To help identify people who need loans, we partner with the NC Assistive Technology Program and others who serve NC residents with disabilities."

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"North Dakota's Assistive Technology Financial Loan (ATFL) program offers the people of North Dakota a financing option to help bridge the gap between resources and the need for assistive technology device and service purchases."

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"Oklahoma Assistive Technology Foundation (OkAT) in partnership with Oklahoma ABLE Tech and BancFirst of Stillwater, can provide financing options with low interest and flexible repayment terms for Oklahomans to purchase assisitive technology to help them live, work, and learn independently."

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"Oregon residents of all ages with disabilities of all types, including seniors with age-related functional limitations, are eligible . . . We also consider applications from family members, employers and other representatives – as long as the item is purchased for – and owned by – a person with a disability."

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"PATF’s Mission: To provide education and financing opportunities for older Pennsylvanians and people with disabilities, helping them to acquire assistive technology devices and services that improve the quality of their lives."

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South Carolina

South Carolina Assistive Technology Loan Program

"This program is a state and federally funded program that helps qualified South Carolinian's with disabilities obtain the assistive devices and services they need to become more independent and productive citizens."

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"The Utah Assistive Technology Foundation (UATF) is a private, non-profit organization under UATP organized in 1991 under the laws of the state of Utah. Over the years UATF has been able to help hundreds of Utahns with disabilities of all ages obtain loans and grants to purchase the assistive technology that allows them to be independent, productive and successful at home, at school, at work and in the community. Our goal is to assist Utahns with disabilities by enhancing their quality of life through assistive technology."

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"The Independence Fund is an innovative program that offers affordable financing for all types of assistive technology to improve your life . . . Since the fund started it has provided over $2 million in affordable loans to more than 300 Vermonters allowing them to become more independent at home, work and school. Our staff will assist you with your application and with developing an affordable repayment plan considering your income and needs."

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"The Assistive Technology Loan Fund Authority (ATLFA) is a Commonwealth of Virginia State Authority created with public funds to help Virginians with disabilities obtain assistive technology. The ATLFA provides affordable financing alternatives (loans with below-market interest rates, no down payments, longer repayment terms, etc.) to help make adaptive equipment a possibility for individuals who might not otherwise be eligible for borrowing. Any type of equipment can be financed as long as it relates to an individual’s disability."

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"Who can apply for Northwest Access Fund’s low interest loans? Washington residents of all ages with disabilities of all types. We also consider applications from family members, employers and other representatives – as long as the item is purchased for – and owned by – a person with a disability."

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"The WisLoan program offers loans for assistive technology. Assistive technology is defined as 'any item, piece of equipment or device that enables an individual with a disability to improve his or her independence and quality of life.' The loans help people buy equipment such as hearing aids, modified vehicles, wheelchairs, ramps, computers with modifications, environmental controls, alternative communication devices and home accessibility modifications. Independent living centersthroughout the state provide technical assistance, applications, and assistive technology services. The program is open to Wisconsin residents of all ages who have a disability. There are no income requirements, and individuals are not required to exhaust personal or public funding."

CLICK HERE to learn more


Wisconsin

WisLoan

"The WisLoan program offers loans for assistive technology. Assistive technology is defined as 'any item, piece of equipment or device that enables an individual with a disability to improve his or her independence and quality of life.' The loans help people buy equipment such as hearing aids, modified vehicles, wheelchairs, ramps, computers with modifications, environmental controls, alternative communication devices and home accessibility modifications. Independent living centersthroughout the state provide technical assistance, applications, and assistive technology services. The program is open to Wisconsin residents of all ages who have a disability. There are no income requirements, and individuals are not required to exhaust personal or public funding."

CLICK HERE to learn more


"Wyoming Assistive Technology Resources (WATR) and Wyoming Independent Living (WIL) in partnership with First Interstate Bank of Laramie, have developed a program that will offer people with disabilities an opportunity to finance assistive technology (AT) devices and services."

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Did we miss a Financial Loan Program that should be included? Let us know in the comments below! 

The GRIT Freedom Chair is the most versatile chair on the market, designed from the ground up to handle any terrain. From trails to grass to snow. Born out of research at MIT, the Freedom Chair's patented easy-push levers reduce shoulder strain and put you in control of your mobility. Ready to hit the trails? Learn more about the GRIT Freedom Chair at www.gogrit.us