Mobility Equipment Financing
Flexible Financing for Home & Vehicle Accessibility Solutions
Making accessibility improvements shouldn’t be delayed because of cost. Our Mobility Equipment Financing program, powered by Mobility Trust, provides flexible financing options for both vehicle mobility equipment and home accessibility modifications.
Whether you need stair lift financing, adaptive driving equipment financing, or funding for an accessible kitchen or bathroom remodel, our goal is simple — help you move forward with greater safety, independence, and confidence.
With a fast application process and personalized loan solutions, you can finance the equipment and modifications you need now, instead of waiting.
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Apply for Mobility Equipment Financing Today
Get Approved for Home and Vehicle Accessibility Financing
Don’t put accessibility on hold. If you’re ready to explore home accessibility financing or vehicle modification financing, take the next step today. Click the Apply Online button to complete your mobility equipment financing application and discover the solution that fits your needs and budget.
Your mobility matters — and we’re here to help you move forward.
Frequently Asked Questions
How do I apply for mobility equipment financing?
To apply for mobility equipment financing, simply complete the online application form by completing the online application. Once submitted, your application will be reviewed by Mobility Trust. You will be notified if you are pre-approved, typically the same day.
Will submitting a loan application impact my credit?
No. Submitting your mobility equipment financing application initiates a soft credit pull, which does not impact your credit score. A hard credit inquiry will only occur if you choose to move forward with final loan approval.
How long does approval take?
Most applicants receive a pre-approval decision the same day they submit their online application. Final approval timing may vary depending on documentation requirements.
What about taxes, fees, and extra equipment?
This financing program applies to approved home and vehicle modifications between $750 and $35,000.
Eligible purchases include:
- Adaptive driving equipment
- Platform wheelchair lifts
- Scooter stowage lifts
- Transfer seating solutions
- Stair lifts
- Residential wheelchair ramps
- Accessible kitchens and bathrooms
- Vertical platform lifts
Home elevator financing is available up to $50,000 for qualified applicants (minimum 720 credit score required).
Can I finance used or pre-owned mobility equipment?
Yes. Used and pre-owned mobility equipment may be eligible for financing through this program, subject to approval.
What is the maximum term length for mobility equipment financing?
Loan terms vary based on credit qualifications, product type, and loan amount.
- Vehicle Modifications: 12–60 months (up to 5 years)
- Home Modifications: 12–120 months (up to 10 years)
What are the interest rates for mobility equipment loans?
Rates vary depending on credit qualifications, loan amount, and term length.
- Vehicle Modifications: Rates start as low as 14.5% for qualified applicants (subject to change).
- Home Modifications: Rates start as low as 12.5% for qualified applicants (subject to change).
Final APR will be determined during the approval process.
Is a down payment required?
Applicants with a credit score of 720 or higher typically do not require a down payment. Applicants below this threshold may be required to provide a 10% down payment.
What credit score is required to qualify?
A minimum credit score of 680 is required to apply for mobility equipment financing. Approval is also based on additional factors, including income, debt-to-income ratio, and payment-to-income ratio.
Are there any pre-payment penalties?
No. There are no pre-payment penalties if you choose to pay off your mobility equipment loan early.
Can I finance equipment for a loved one?
Yes. Mobility equipment financing can be used to purchase equipment for a family member or loved one.
Is this program available to commercial customers?
No. This financing program is currently available for personal-use mobility equipment only. If you are seeking commercial mobility financing solutions, please contact us to speak with a mobility consultant.
What documents are required to finalize my loan?
No documentation is required to complete the initial online application.
After receiving pre-approval, typical documentation may include:
- Proof of residence (utility bill, phone bill, or credit card statement dated within 30 days of contract date)
- Proof of income (dated within 30 days of contract date)
- Valid driver’s license or government-issued identification
Required documentation may vary depending on your individual approval conditions.
Have a question that wasn’t answered? Please contact us to speak with a mobility consultant to learn more about mobility equipment financing.
POWERED BY
Loans are made through Mobility Trust Group’s subsidiary, Mobility Credit Acceptance, LLC. Availability of terms may vary based on purchase price and/or product. Down payment may be required. Subject to approval of credit application. APRs will vary depending on credit qualifications, loan amount, and term.
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