Financial Program

Financial Program

OkAT and Financial Loan Program logo

Financial Loans for Assistive Technology 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). Common items financed through our program include:

Qualifying Purchases Loan Features
  • 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
  • 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 consumer's needs.

Lower dollar loans are processed in house through a Direct Lending Program. These loans are typically up to $3,000. Larger dollar loans are processed with a banking partner, BancFirst of Stillwater. All loans provide a low 5% interest rate. Annual Percentage Rates (APR) vary based on the loan amount and bank closing fees and are calculated for each loan. Below are examples of monthly payments based on sample loan amount terms.

Loan Amount Term of Loan Approximate Monthly Payment
$1,500 12 months $128
$2,500 24 months $110
$5,000 36 months $150
$10,000 48 months $230
$15.000 48 months $342
$20,000 60 months $373

OkAT's Loan Policy

Download to review here: OkAT's Loan Policy (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, I will be happy to assist you in completing the necessary paperwork.

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

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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Watch an ABLE Tech Financial Loan success story

Financial Loan Success Story

John with his new truck

John is 26 years old from Tulsa and has a diagnosis of Cerebral Palsy. He was previously using a non-modified vehicle for transportation and relying on his parents for transferring in and out of the car. He was then able to qualify and buy his “dream truck” – a 2008 Chevrolet 1500 Pickup. “I try to be an active individual and enjoy many of the same activities as others my age, however, my previous vehicle drug on everything and made it difficult to get to many places while enjoying the Oklahoma back roads.”

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. OkAT Foundation 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.