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Oklahoma ABLE Tech at Oklahoma State University
Toll-free: 800.257.1705 (v/tty)


Financial Loans for Assistive Technology and Employment

ABLE Tech Financial Loans Overview

Oklahoma ABLE Tech, in partnership with OkAT Foundation, can provide financing options for Oklahomans with disabilities to purchase assistive technology to help them live, work, and learn independently. ABLE Tech's mission is to improve access to, and acquisition of, assistive technology (AT) for individuals with disabilities of all ages. We have several options for financing: 1) direct loans for $2,500 or less and 2) loans for more expensive AT over $2,500

2016 Financial Loans Fact Sheet 

Download the Financial Loans Fact Sheet

Read "Success Stories" of Oklahomans who have benefited from ABLE Tech Financial Loans

Should I Apply?

The equipment I need is less than $1,000, but I can't afford to pay that all at once.
The direct loan program offered through ABLE Tech allows someone to borrow a small amount of money to purchase less expensive assistive technology, and still make monthly payments. It is coordinated directly with OkAT Foundation, ABLE Tech's non-profit partner, offering much lower loan fees, low interest rate, and flexible repayment terms.

I need a modified vehicle and don't know what my options are.
This loan can be used to purchase a new or used modified vehicle or to acquire funding to modify your current vehicle. It may also be used to fill the gap with other public or private funding sources, such as the Department of Rehabilitation Services or Developmental Disability Services.

I can't qualify for a financial loan because I had to file bankruptcy due to medical expenses.
A bankruptcy due to medical-related expenses will not necessarily disqualify you from the program. Our non-profit partner will review your application for special guaranty consideration. Applicants are reviewed on a case-by-case basis to determine the ability to make monthly loan payments based on income and monthly expenses.

My insurance out-of-pocket / co-pay for my prescribed durable medical equipment is more than I can afford.
This loan can assist with medical co-pays and/or deductibles for equipment that is considered assistive technology. A quote or invoice for your portion of the cost is required with your application; if approved, payment will be made to the vendor.

Oklahoma ABLE Tech Bank Loan Video Thumbnail Watch an ABLE Tech Financial Loan success story

OkAT - $2,500 and up

What are the Loan Terms?

ABLE Tech's Direct Financial Loan (for $2,500 or less)

Quick & Easy Application | 5% Fixed Rate
Low Closing Cost | Flexible repayment

Oklahoma ABLE Tech, along with its partner the Oklahoma Assistive Technology Foundation (OkAT), is introducing a low interest Direct Loan options for AT $2,500 or less, with repayment terms from 12 to 36 months. 

The Direct Loan allows individuals with disabilities to borrow money to purchase assistive technology at a 5% fixed interest rate with a $15 closing fee, and flexible repayment terms from 12 to 36 months. The low monthly payment allows a qualified borrower to pay off the loan, build their credit and own the assistive technology.

Loans can help individuals purchase items like:

Examples of Direct Loan Payment Amounts:

5% Direct Loans

Loan Amount

Term of Loan

Monthly Payment


12 months



24 months



36 months


OkAT - for over $2,500

ABLE Tech's Financial Loan ($2,500 and up)

Quick & Easy Application | Low-interest Fixed Rate
Special Guaranty Consideration

Oklahoma ABLE Tech, along with OkAT and BancFirst offer financial loans of $2,500 and more to help individuals with disabilities obtain needed assistive technology devices and services. These loans have a 36-month repayment term if unsecured* or, have a 60-month term if secured. 

Loans can help individuals purchase items like:

Unsecured Loan:

Secured Loan (with Collateral or Guaranty*):

*Guaranty loan with flexible underwriting guidelines is available for applicants who don't meet unsecured loan criteria due to credit/income issues from disability-related expenses.

Examples of Unsecured & Secured Loan Payment Amounts:

6% Unsecured Loan for 36 months

Loan Amount

Monthly Payment







5% Secured Loan for 60 months

Loan Amount

Monthly Payment







OkAT's Loan Policy

For detailed information on OkAT's Loan Policy, download either Word or PDF.

How Do I Apply?

Download and complete the Financial Loan Application (.docx) or (PDF). If you need assistance or have questions, please contact Oklahoma ABLE Tech.

Shelley Gladden, Loan Coordinator
Oklahoma ABLE Tech
Oklahoma State University
1514 W. Hall of Fame  |  Stillwater, OK 74078
Phone: 888.885.5588 or 405.744.4254  |  Fax: 405.744.2487
Email: shelley.gladden@okstate.edu


Financial loans for assistive technology and employment are provided by Oklahoma ABLE Tech, in partnership with the Oklahoma Assistive Technology Foundation (OkAT). Our banking partner on loans over $2,500 is BancFirst of Stillwater.