Financial Program

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 (AT) to help them live, work, and learn independently.

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

  • 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
  • Smart Home technology
  • Ramps

Loan Features

  • Fixed low-interest rate for the life of the loan
  • Easy, flexible repayment terms
  • 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

OkAT and ABLE Tech partnership graphic

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 an 8% 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 8% 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. 

  • AT equipment loan – this loan can be repaid over a term of up to 5 years depending on the AT purchased. There is no minimum or maximum loan amount and it can be used for AT or medical equipment.
  • Microloan – this loan has a maximum loan amount of $3,000 and can be repaid over a term of up to 3 years. This product offers additional credit flexibility and applicants that do not qualify for the AT equipment loan may qualify for this product.
  • Home accessibility modification loan – this loan can be used for home modifications to improve accessibility such as ramps, bathroom modifications, or smart home technology. The maximum loan amount is $25,000 and the maximum term is 5-7 years.


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

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

There is an accessible shower with a grab bar on all 3 walls. Sitting on the floor of the shower is a blue and silver shower chair.

Dennis of Cordell had been searching for assistive technology to help him independently complete daily living activities and travel due to his multiple sclerosis. While visiting one of ABLE Tech’s partners, United Access, and receiving a demonstration of adaptive equipment, he learned about Oklahoma ABLE Tech's services.  

Dennis later utilized the financial loan program to purchase a lift seat for a pickup and a new walk-in shower in his home. The lift seat allows Dennis to get in the family vehicle for doctor appointments and physical therapy. The home accessibility modification allows Dennis safe access to a shower and one more opportunity to remain independent.

Do you need a loan to make a home modification for accessibility?  The Financial Loan Program’s low-interest loan rate help to make these purchases affordable. To apply for a loan, complete the online application.