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Access Loans

Financing for specialty equipment and home improvements to assist someone with a disability.

At a Glance

Access Loans are for any product, device, or building modification designed to assist someone with a disability. The borrower need not be the beneficiary of the purchase.


Powered non-vehicles - scooters, power wheelchairs, stair-climbing chairs, all-terrain wheelchairs.
Manual transportation – standard wheelchairs, sport wheelchairs, and specialized hand cycles.
Adaptive equipment – air tube systems, voice systems, educational and rehabilitation systems.
Durable medical equipment – slings for lifting patients, breathing systems, and/or specialized beds.
Rehabilitative equipment – motorized equipment that exercises muscles and limbs.
Accessible building modifications – modifications to allow accessibility for individuals with disabilities.
7.85% APR
4.5 4.5 / 5 stars


0.50% for Plus and Relationship members

Access Loan Rates

Qualified members may obtain Access Loans, for 100% of the purchase amount, from $1,500 to $25,000 and with terms up to 72 months.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 7.85% $31.27
Up to 48 Months 8.10% $24.46
Up to 60 Months 8.35% $20.44
Up to 72 Months 9.60% $18.32
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 7.85% $31.27
Up to 48 Months 8.10% $24.46
Up to 60 Months 8.35% $20.44
Up to 72 Months 9.60% $18.32

Rates are effective {currentdate}.

¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account.

²EMP = Estimated Monthly Payment

*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Access Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.

Plan for Your Loan

Choose from our easy to use calculators to help you manage your loan.

  • How long will it take to pay off my loan?
  • How much will my loan payments be?
  • How much can I afford to borrow?

What Our Members Are Saying

Thank you

RATINGS 5 5 / 5 stars

We have made numerous loans to improve our sons quality of life through transportation with the help of mobility loans with DCU.

Jackthecat - Sylacauga, AL



RATINGS 5 5 / 5 stars

I like the fact I could apply online. It made it easier for me since I have a physical disability. I was approved right away. Thank you, Hillary, for being a tremendous help and very pleasant to work with!

Lisa - Leominster, MA


I'm a beneficiary

RATINGS 5 5 / 5 stars

I have used DCU for the purchase of two accessible vans. Great service, very low APR and no middle person. I would recommend this access loan.

Tony - New York, NY


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