Financial Loans for Assistive Technology

Oklahoma Assistive Technology Foundation and Financial Loan Program logo

For Oklahomans with Disabilities

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 assistive technology to help them live, work, and learn independently.

Qualifying purchases for the loan can be anything used as Assistive Technology (AT) in any amount -large or small. Common items financed through our program include:

Qualifying Purchases

  • Vision equipment and glasses
  • Hearing equipment
  • Mobility devices
  • Vehicle modifications
  • Daily living aids
  • Durable medical equipment
  • Communication devices
  • iPad for specialized use
  • Lift chairs
  • Home modifications
  • Smarthome technology
  • Ramps

Loan Features

  • Fixed low interest rate for the life of the loan
  • Easy, flexible repayment terms up to 60 months
  • Can be used to cover co-pays
  • Payment made directly to the vendor
  • Special qualifying terms for applicants who have limited income due to a disability-related circumstance

What are the Loan Terms?

OkAT, ABLE Tech, and BancFirst, together, are able to provide a variety of lending products to meet the consumer's needs.

Based on funding availability, the loan will either be processed directly with the nonprofit or through the banking partner, BancFirst of Stillwater. Funding priority at the nonprofit will be given to low-income applicants. The Annual Percentage Rate (APR) will range from 5% for a loan directly through the nonprofit to approximately 6% for the BancFirst loan due to loan documentation fees. Loan requests denied by BancFirst will be reviewed by the nonprofit for eligibility for a loan guaranty by the nonprofit. Below are examples of monthly payments based on sample loan amounts and terms.

Loan AmountTerm of LoanApproximate Monthly Payment
$1,50012 months$128
$2,50024 months$110
$5,00036 months$150
$10,00048 months$230
$15,00048 months$345
$20,00060 months$378

OkAT's Loan Policy

For detailed information on OkAT's Loan Policy, download this PDF.

How Do I Apply?

Oklahoma ABLE Tech and Oklahoma Assistive Technology Foundation (OkAT) work collaboratively to provide improved access to and acquisition of assistive technology (AT) for individuals with disabilities of all ages. This is provided through financial loans, alternative funding resources, and financial education.

This loan provides low-interest rates, more flexible underwriting guidelines and repayment terms than do most consumer credit loans, and provides alternative banking options for individuals with limited income or damaged credit due to medical conditions.

If you have any questions, please call me at 800-257-1705, 405-252-1012 or email

Apply Here!

  1. Apply online where you can start your application and, if you need to, suspend and then resume your entries, then Submit.
  2. Download and complete the OkAT Application for Credit (PDF).
    If you need assistance or have questions, please contact Natalie at 800-257-1705, 405-252-1012 or email her at Once it is completed, please send to:

601 S. Washington #282
Stillwater, OK 74074
or fax to 405-744-2487

Para hablantes de español: Descargue y complete la Solicitud de Crédito OkAT (PDF).

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 is BancFirst of Stillwater. All applications can be sent to the address above.

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Should I Apply?

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 their ability to make monthly loan payments based on income and monthly expenses.

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.

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.