Financial Program

Financial Program

OkAT and Financial Loan Program logo

Financial Loans for Assistive Technology

For Oklahomans with Disabilities

Financial Loans Flyer (PDF)
Financial Loans flyer (PDF)

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

Qualifying purchases for the loan can be anything used as Assistive Technology (AT). Common items financed through our program include:

  • Vision equipment and glasses
  • Hearing equipment
  • Mobility devices
  • Vehicle modifications
  • Daily living aids
  • Durable medical equipment
  • Communication devices
  • iPad for specialized use, or
  • Any device used as assistive technology

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.

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.

For unsecured loans, ABLE Tech processes applications in-house and refers to these as Direct Loans.

Direct Loan with ABLE Tech / OkAT

Loan Amount Term of Loan Approximate Monthly Payment
$1,500 12 months $128
$2,000 24 months $110
$5,000 36 months $150
$10,000 48 months $230

BancFirst partners with OkAT and ABLE Tech to provide loans that are secured. This includes items that might be secured by a lien or UCC, such as a modified vehicle, wheelchair lift, etc. Annual Percentage Rate (APR) will vary based on the loan amount and bank closing fees and will be calculated for each loan.

Secured Loan with BancFirst

Loan Amount Term of Loan Approximate Monthly Payment
$10,000 36 months $300 - $305
$15.000 48 months $345 - $353
$20,000 60 months $377 - $387

OkAT's Loan Policy

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

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.

There are three options for this financial loan program to purchase AT:

  • A direct loan with a 5% interest rate through OkAT for unsecured loans $3,000 or less with repayment terms varying from 3 to 60 months
  • A banking partner loan or guaranteed loan with a 5% interest rate for unsecured loans $3,000 or greater with repayment terms varying from 3 to 60 months
  • A guaranteed or secured 5% interest loan with our banking partner, BancFirst of Stillwater, with repayment terms varying from 36 to 60 months.

If you have any questions, please call me at 800-257-1705, 405-252-1012 or email me at, I will be happy to assist you in completing the necessary paper work.  Please print the included application. Once it is completed, please send to:

Oklahoma ABLE Tech Financial Loan Program
Attn: Natalie Rohwer
601 S. Washington Box #282
Stillwater, OK 74074
You can also fax it to 405-744-2487.

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

Financial loans for assistive technology and employment are provided by Oklahoma Assistive Technology Foundation (OkAT), in partnership with the Oklahoma ABLE Tech and BancFirst of Stillwater.

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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 the 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.