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Financing Your Mobility Vehicle
We know this part can feel overwhelming.
For many, financing is the most complex and stressful step in the journey to a wheelchair accessible vehicle.
The good news? You don't have to navigate it alone.
Download the ATC Mobility Financial & Ownership Guide
Start your ownership journey with an introduction to mobility financing, funding resources, and life with an ATC.
Click to download the guide below:
Your mobility dealer will handle much of the process and paperwork, but here are some trusted resources to help you better understand your options and know where to start. We’ve also provided a Loan Calculator below with simple inputs to help you explore estimated monthly payments for accessible vehicles, adaptive equipment and mobility modifications.
There are a variety of funding sources that may help offset the cost of your vehicle conversion. Availability can depend on your personal circumstances, military service, and where you live. Explore the resources below to take the next step with more clarity and confidence:
Greater Eligibility for Funding Programs
Many public and private funding organizations look for mobility products manufactured and installed under recognized industry quality standards. As an NMEDA MQAP Manufacturer Member, ATC Mobility helps customers and funding agencies have confidence that our wheelchair-accessible vehicles are built under documented quality and safety processes.
While funding requirements vary by state and program, MQAP participation may help satisfy eligibility requirements for certain mobility funding sources.
Veterans Administration Funding:
The VA provides some financial assistance (one-time vehicle grants, lending programs, equipment grants) with mobility equipment/vehicle conversions for qualifying veterans. Visit https://www.va.gov/ or call 1-800-827-1000 for more information. You can also find a complete list of local Veterans Administration Agencies by visiting this link through NMEDA website for Government Funding.
GM Mobility Financial Assistance:
There are several options available through the GM Mobility Assistance program. Visit https://gmfleetcom/ to learn about the many options through GM Mobility, or visit your local GM dealer.
Social Security Plan to Achieve Self Support (PASS):
This program is designed to help individuals with disabilities return to work. For more information, please visit: https://www.ssa.gov/disabilityresearch/wi/pass.htm
State Funding – Vocational Rehabilitation:
There is a Vocational Rehabilitation Program within each state that funds programs for disabled individuals. These programs can range from returning to work assistance to grants for mobility equipment funding assistance. See what your state offers.
Medicare and Medicaid:
The Centers for Medicare and Medicaid Services is a federal agency within the United States Department of Health and Human Services. Find out how to qualify and obtain information about Medicaid State Waiver Programs.
Loan Calculator
Financing a wheelchair accessible truck or SUV can feel overwhelming at first. This calculator is designed to help you explore estimated monthly payments and better understand what ownership could look like for your lifestyle and budget.
Adjust the vehicle price, down payment, financing term, and interest rate to compare payment scenarios for accessible trucks, SUVs, and adaptive mobility equipment.
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Payment estimates are for informational purposes only. Actual financing terms, rates, and approval are determined by participating lenders.
Longer-Term Mobility Financing Options
Some mobility financing programs may offer terms up to 120 months for qualified buyers. Some preferred partners we recommend for our customers are provided below:
Helpful Mobility Financing Information
Can adaptive equipment be included in financing?
In many cases, yes. Qualified buyers may be able to finance accessibility modifications and adaptive equipment together with the vehicle.
Are grants or mobility assistance programs available?
Some nonprofit organizations, state vocational rehabilitation programs, and manufacturer mobility programs may provide financial assistance for qualifying customers. We’ve assembled these resources on our Financing Resources page to help you navigate this process.
Are extended financing terms available?
Some mobility financing providers offer extended-term financing options, including terms longer than traditional auto loans, for qualified buyers. Some providers, like Morrie’s Mobility Finance and Falls Mobility Finance offer terms up to 120 months for qualified buyers. These programs can help lower monthly payments for wheelchair accessible trucks, SUVs, and adaptive equipment.
Can veterans benefits help reduce costs?
Many veterans may qualify for VA mobility and adaptive equipment programs that can significantly reduce out-of-pocket expenses. Check out our ATC for Veterans page for more information.
Can I finance a used accessible vehicle?
In many cases, yes. Financing may be available for qualifying pre-owned wheelchair accessible trucks, SUVs, and adaptive mobility equipment. Available terms and rates can vary based on the vehicle, conversion, mileage, and buyer qualifications.
Do I need a large down payment?
Not always. Down payment requirements can vary depending on credit history, trade-in value, financing terms, and the mobility vehicle being purchased. Some qualified buyers may have flexible financing options available.
More Questions?
Contact Us!
We're on a mission to redefine freedom and adventure for wheelchair users by providing accessible trucks and SUVs that offer safety, security, luxury, and performance to match their desire for a life without boundaries.