Finance a Wheelchair Accessible Vehicle

Finance a Wheelchair Accessible Vehicle

Learn about paying for wheelchair vans and modifications like ramps and lifts.

For people in wheelchairs, acquiring a wheelchair accessible vehicle can be much harder than obtaining a non-accessible one. People in wheelchairs need special seating options, and even those with partial mobility often require vehicle modifications to comfortably drive or ride as passengers.

One of the biggest hurdles is financing. Due to the high cost of wheelchair-accessible vehicles and the financial challenges many disabled individuals face, a wheelchair van is often out of reach without assistance.

The good news is that financing options are available. While the process may take some time, it is entirely possible with proper planning. Here are five ways to help you secure an accessible vehicle:

1. Do your research on pricing for wheelchair vans and modifications - The number one reason people in wheelchairs lack transport is affordability. You need to know the correct pricing for an accessible van and what specific features your disability requires. This research will help you identify appropriate grants or leasing options. Additionally, consider whether it is cheaper to buy a standard van and have a local company install a wheelchair ramp or lift separately. While this may result in two loans, finding separate funding for a lift or ramp can sometimes be easier and save you money in the long run.
2. Seek grants for wheelchair vehicles - Numerous nonprofit agencies offer grants for non-ambulatory individuals. If you have a specific condition, look for related organizations—such as the Muscular Dystrophy Family Foundation or United Cerebral Palsy. Alternatively, broader philanthropic groups like the Jaycees and the Masons also offer support. Be sure to request grants properly to speed up the process and improve your chances of approval.
3. Consider government assistance - Depending on your disability and if you receive Supplemental Security Income (SSI), you may be eligible for the PASS (Plan to Achieve Self-Success) program. This program helps you outline goals—such as attending school or gaining employment—and provides monthly payments to help cover your vehicle costs as long as you work toward your goal.
4. Secure traditional financing - If you plan to buy from a dealership, traditional loans typically range from three to five years, though accessible vehicle loans often extend from six to ten years. Used wheelchair vans generally come with shorter loan terms than new ones.
5. Consider a fundraiser - If other options fall short, hosting a fundraiser with friends, family, or your community can help raise money for a wheelchair ramp or lift. Ideas range from charity dinners and walks to profit-sharing sales or auctions.

While securing funding for a wheelchair-accessible vehicle can be time-consuming, it is entirely achievable with a little perseverance and hard work.