Financial Program

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Financial Loans for Assistive Technology For Oklahomans with Disabilities

The 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 needed assistive technology (A.T.) to help them live, work, and learn independently.

Qualifying purchases for the loan can be anything used as A.T. in any amount - large or small. Common items financed through the program include:

Qualifying Purchases

  • Vision equipment and glasses
  • Hearing equipment
  • Mobility devices
  • Vehicle modifications
  • Daily living aids
  • Durable medical equipment
  • Communication devices
  • iPads 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 consumers' needs. This program is a 5% interest rate loan with flexible lending criteria that can be repaid up to 36-60 months depending on the item purchased. 

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 applicants with low income. The Annual Percentage Rate (APR) will be 5% for a loan directly through the nonprofit and will vary through 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 amount 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

Download to review: OkAT's Loan Policy (docx)  

How Do I Apply?

Oklahoma ABLE Tech and the Oklahoma Assistive Technology Foundation (OkAT) work collaboratively to provide improved access to and acquisition of needed 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 800-257-1705, 405-744-4254, 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 us at 800-257-1705, 405-744-4254, or email us at Once it is completed, please send it 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 Assistive Technology Foundation (OkAT), in partnership with Oklahoma ABLE Tech and BancFirst of Stillwater.

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Financial Loan Success Story

Amy and her baby

Amy, a new mother from Sayre, used ABLE Tech’s Financial Loan Program to purchase an Apple Watch. The watch detects Amy’s abnormal heart rhythms and alerts Amy so she can get somewhere safe and sit down. The watch also calls 911 and informs the ambulance of Amy’s location when she faints.

Amy says, “with this watch along with the crib and other items ABLE Tech has helped me get - I can care for my baby with confidence and live more of a normal life….Thank you for everything you have done for me.”