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Personal and Business Banking

Access Loans

Finance equipment and home improvements to assist with disabilities

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Power Wheelchair

Access Loan Benefits

  • For any product, device, or building modification designed to assist someone with a disability
  • Terms up to 72 months
  • Loans from $1,000 to $25,000
  • Save with Plus and Relationship benefits and electronic payment

Please refer to Details and Rates tabs for additional information and important disclosures.

"Count On"

Open quote Whenever I am in need of a product or service, DCU is there to lend a hand. Close quote

— Shirley, San Diego, CA

Access Loan Overview

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. Qualified purchases include, but are not limited to:

  • Powered non-vehicle transportation such as scooters, power wheelchairs, stair-climbing power chairs, all-terrain wheelchairs.
  • Manual transportation such as standard manual wheelchairs, custom sport wheelchairs, and specialized hand cycles.
  • Adaptive computer and communications equipment such as air tube systems for spinal cord injuries, voice systems for the blind, educational and rehabilitation systems for children and adults.
  • Durable medical equipment such as slings for lifting paraplegics and quadriplegics, breathing systems, specialized beds.
  • Rehabilitative equipment such as motorized equipment that exercises muscles and limbs.
  • Accessible building modifications such as bathroom accessibility, kitchen modifications, widening doorways for wheelchairs, lowering countertops, changing cabinets, modifying sinks and faucets, installing ramps, elevators, stair climbing devices, installing ceiling lifts.
  • Save with Plus and Relationship benefits and electronic payment – Save on rates when you qualify for Plus and Relationship benefits on your DCU Checking Account and make payments electronically (payment by transfer in Online Banking, Mobile Banking, Easy Touch Telephone Teller, DCU ATM, or internal DCU automatic transfers. Add 0.50% to rate for other payment methods.

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. (Higher amounts may be considered. Normal underwriting guidelines apply.*)

*Credit history, income, and term are considered in loan approval and rate decisions.

Access Loan Rates

Available for Mobility Scooters, and any product, device or building modification designed to assist individuals with a disability.

Qualified borrowers may finance up to 100% of the purchase price or retail book value.

Our Best Rates*
Terms / Features Annual Percentage Rate Estimated Monthly Payment
per $1,000
Up to 36 Months 9.10% $31.85
Up to 48 Months 9.35% $25.05
Up to 60 months 9.60% $21.05
Up to 72 months 10.85% $18.96

Rates are effective .

* Rates are determined by your personal credit history, account relationship, and payment method.

Access Loans is rated 4.5 out of 5 by 6.
Date published: 2015-06-11
Rated 5 out of 5 by from Thank You We have made numerous loans to improve our sons quality of life through transporation with the help of mobility loans with DCU. Thank You
Date published: 2014-11-05
Rated 5 out of 5 by from Personal Load for House Project I have a small project at home where we are taking down trees. Needed a small loan to pay for larger trees to be taking down by professional. The process was fast and easy. My only comment is the interest rate was significantly higher than I was previously told, and I have excellent credit. There was no explanation as to why it was higher. But since it was a low value loan I accepted.
Date published: 2014-10-04
Rated 5 out of 5 by from Helpful, I was able to obtain a loan online. 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, just wish the finance rate was lower. Thank you Hillary for being a tremendous help and very pleasant to work with!
Date published: 2014-05-17
Rated 4 out of 5 by from My experience taking out a personal loan I took out a signature loan, but there isn't any field in the review selector for general/signature loans. Several things went wrong. When I arranged the loan by phone, the person I talked with didn't ask me if I wanted to buy protection insurance. This is a problem, because under the current system if you want to buy it, you must buy it before the loan is booked. I didn't think to ask about it. When I went to the office to sign for the loan, I asked if I could buy basic protection. She said to do this I would have to be re-approved for the loan. I didn't want to incur this delay, so I didn't buy it. I then asked how much this protection would cost. The person in the office was "thrown" by my question. She kept me waiting for 10 minutes while she looked for the answer. I wouldn't have asked this question if I had known how much trouble it would cause.
Date published: 2013-09-30
Rated 3 out of 5 by from helpful product which could improve The access loan is a great option--especially if you want to own your assistive technology product since few options and little funding are available. It is possible to qualify for an access loan on a low income with a good credit score. However, the interest rate is a bit high. It was disheartening to find out that I would only have three years to pay off the loan as opposed to the 72 months offered in the application. Therefore, it is best to ask for exactly what the loan terms will be right away after the application is approved. A DCU access loan is a good product, but it is advisable to consider all possible options in determining what works best for you.
Date published: 2012-01-09
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Hi I was wondering what the credit score needed is to obtain a loan for an fes bike would be I think the cost is about 10-15k and I could put like 2-3k down?
Asked by: Jessica
Each application is individually reviewed for consideration of the loan being requested, rather than being based solely on a particular credit score minimum. In order to determine your eligibility, you will want to apply either from our web site or by calling us.
Answered by: DCU Staff
Date published: 2013-12-28

How much interest on loan between 4000 - 6000

Asked by: Kim
Rates are based on your personal credit history, account relationship, repayment method, and term length. To determine the rate you qualify for, you will need to apply.
Answered by: DCU Staff
Date published: 2016-04-16

What are the qualifiacations for disabled van loan ie minimum credit score etc.

Asked by: dryfuss
Loan decisions are based on many factors: credit history, income & employment length, relationship with DCU, etc. Each application is individually reviewed to determine an applicant's eligibility for the loan desired. You would need to apply, to have your request considered.
Answered by: DCU Staff
Date published: 2016-07-09
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"Highly Recommend"

Open quote There is no doubt that I wouldn't recommend DCU when a friend or family members needs a credit union Close quote

— Anu, Rockland, MA

Easy Ways To Apply For An Access Loan

  1. Apply Online – 24 hours a day, 7 days a week.
  2. Apply by phone – 24 hours a day, 7 days a week call 800.328.8797 or 508.263.6700 and press 3.
  3. Any DCU Branch – Visit your local branch.

"Own Your Equipment"

Open quoteAccess loan is a great option - especially if you want to own your assistive technology product.Close quote

— Cmallen, Houston, TX

Access Loan Resources

  • Are You Already Approved? – Log in to Online Banking and check your Account Manager Inbox for a message. If you are, you can accept your approved loan online.
  • Loan Payment Method Authorization (.pdf format) – Use to have DCU set up electronic loan payments by transfer from your DCU savings or checking account. Note: you can set this up on your own with Internet Online Banking Automatic Transfers.
  • Payment Protection – Helps relieve the pressure of your loan payments during certain unexpected events.

Access Loan Related Links

  • Loan Calculator – Use these calculators to determine an approximate loan payment based on the loan amount (loan cash), term, and credit history standing. This helps you see if a loan will fit within your budget.
  • StreetWise Guide to CreditStreetWise guide helps you understand how credit works, how to use it responsibly, how to know if you are having difficulty with it, and what to do if you are.
  • StreetWise Disability Resource GuideStreetWise guide provides links to a variety of online resources for people with disabilities and their families.
  • How to Make Your Loan Payment – We make it easy to make your loan payment. Find out more about our convenient payment options.
  • Skip a Payment (.pdf format) – You have the option to skip a loan payment without impacting your credit rating.
  • Calculate Finance Charges – Sometime members have questions about how finance charges or interest on their DCU loan accounts are calculated. This information is designed to make the information in your loan disclosures a little easier to understand.
  • Schedule of Fees and Service Charges – Details regarding member benefits that may help you avoid fees.
  • Financial Wellness and Recovery – Learn what DCU can do for you if you are or think you may soon experience a financial setback. The earlier you contact us, the more we can do to help.