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Personal and Business Banking

Mobility Vehicle Loans

New or used

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auto mobility

Mobility Vehicle Loan Benefits

  • For vehicles with equipment or modifications to assist people with disabilities
  • For new or used, purchase or refinance
  • Low interest rates
  • Loans up to $100,000
  • Save with Plus and Relationship benefits and electronic payment

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

"DCU is there when nobody else is"

Open quote When nobody else would help out in getting an accessible van, DCU stepped up to the plate and made it happen! Close quote

— James, Cheyenne, WY

Mobility Vehicle Benefit Details

  • For vehicles with equipment or modifications to assist people with disabilities – If you have a disability, there are several types of modified vehicles on the market to help you get around. Unfortunately, lift-equipped vans, vehicles with hand controls, and other modifications can be very expensive. DCU can help make them more affordable by spreading the cost over time. The borrower need not be the beneficiary of the purchase.
  • For new or used vehicles – with the same low rates.
  • Purchase or refinance – Borrow to buy your next vehicle or refinance the one you drive.
  • Great rates and affordable payments – Finance up to 120 months. The longer the loan term, the lower your monthly payment.
  • Borrow up to 100% of purchase price – Qualified borrowers can finance up to 100% of the purchase price or the combination of the NADA retail value of the chassis plus the retail value of the conversion – whichever is less – up to $100,000. Minimum loan amount is $5,000.
  • 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.

Mobility Vehicle Loan Rates

Special new or used vehicles and vehicle modifications to aid people with disabilities.

Mobility vehicle value is determined by combining the NADA retail value of the chassis plus the retail value of the conversion.

Our Best Rates*
Terms / Features Annual Percentage Rate Estimated Monthly Payment
per $1,000
Up to 36 Months 5.74% $30.30
Up to 48 Months 5.74% $23.37
Up to 65 Months 5.74% $17.94
Up to 72 Months 6.74% $16.92
Up to 84 Months 8.14% $15.66
Up to 120 Months 8.14% $12.21

Rates are effective .

* Rates are determined by your personal credit history, account relationship, and payment method. Rates listed are for consumer loans. Rates on commercial vehicle loans are 1% to 3% over rates listed. Certain Business Vehicle and Equipment loans may be subject to a maximum loan of 80% of the purchase price.

Mobility Vehicle Loans is rated 4.5 out of 5 by 53.
Rated 5 out of 5 by from Quick & Easy! Thank you for the ease in securing the loan for the purchase of my son's mobility vehicle! What a pleasure doing business with you. During the process I spoke with several different individuals and each and every one were kind, helpful and authentic. I really appreciate the customer service I received!
Date published: 2019-02-10
Rated 5 out of 5 by from Excellent I was told exactly what could be done for me in my circumstances and when I accepted in a manner of minutes the loan was processed and the money arrived the next day as promised. Thank you DCU
Date published: 2019-02-09
Rated 5 out of 5 by from Easy fast friendly very helpful, friendly, nice, courteous, great choices
Date published: 2018-12-08
Rated 5 out of 5 by from The disabled vehicle conversion is an absolute necessity for a loved one. I am now able to take my spouse to Doctor appointments and his physical therapy much easier since he has a power wheelchair. He had a manual wheelchair but it weighed 75 pounds and was too heavy for me to load in and out of a regular vehicle without a conversion.
Date published: 2018-12-01
Rated 5 out of 5 by from Mobility Loan This was a process you have to go through for the mobility loan. But once it was completed and all our paper work is in it went very smooth. The check was issued in a timely manner. While most places make it almost impossible to obtain a mobility loan DCU is very understanding and compassionate of the needs of the disabled. DCU made it possible for us to get our disabled son to and from his many doctor visits. DCU you did a great job!!!! You are Great!!!!!
Date published: 2017-04-19
Rated 5 out of 5 by from The fastest, easiest refi of an auto loan I've ever seen ! How blessed we have been in finding you ! You took a chance with providing a loan to my disabled son and me as his guardian in 2009, since my credit score reflects a misunderstanding on an outstanding student loan that has yet to be corrected. Not only has your excellent staff approved a second loan and a refi today giving us a 740 score, but a safe way to transport my son; allowing him to actually have an active life outside the home. GOD BLESS EACH AND EVERY ONE OF YOU FOR BEING THE INSTRUMENTAL FORCE FOR SO MANY OF OUR BLESSINGS !
Date published: 2017-04-01
Rated 5 out of 5 by from Thirteen years of satisfaction DCU has been an awesome blessing to our family. We purchased our first mobility van via a loan from DCU in 2004. Additionally some years later we financed a regular automobile with them. Just this month we purchased our second mobility van and DCU's service and assistance with the loan was second to none. Highly recommend!!!
Date published: 2017-02-21
Rated 5 out of 5 by from Very SATISFIED I HAVE NOTHING BUT GOOD TO SAY ABOUT DCU!!!! I would recommend them for all your banking needs.
Date published: 2016-12-24
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Handicap van

Your reviews are wonderful and outstanding, you have helped many people with loans for Handicap VANS. My question is, do you help all people. I am a single mom with a 13 yr old handicap son in a wheelchair that has not had any freedom in 4 years. Can you help him with a not so great credit score. We are desperately in need.
Asked by: Jackie
My first loan with DCU was approved for a 2003 disabled conversion van and my current loan was approved for a 2012 conversion vehicle and my credit score was in the fair level. I tried getting a loan through Bank of America and Braunability but both denied my request. DCU was there for me when I needed a used conversion vehicle to take my disabled spouse to and from Doctor visits and physical therapy. I do not regret being a member of DCU. Best wishes to you and your son.
Answered by: MJRAM
Date published: 2019-02-02

If I was purchasing a 2014 used car and a $32k loan amount, could I get the 84 month term?

Credit score in the 700s
Asked by: Rebelbac
When I got my loan the staff for DCU told me the most is a term of 5 years and 3months. But definitely call them to be sure. They may be able to assist you.
Answered by: MJRAM
Date published: 2019-02-02
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"So Happy For My Daughter"

Open quote This product allows my disabled daughter to spend time in her community. Obtaining a Mobility Loan was very simple which made my life easier. Close quote

— Teddy Bear, Jackson, WI

Easy Ways To Apply For A Mobility 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.

"The best that I have found"

Open quote I have never dealt with anyone as great as DCU. You are there with everything when I need it. THANK YOU!!! Close quote

— Eli, Martin, TN

Mobility Vehicle Loan Resources

  • Are You Already Approved? – Login to Online Banking and check your Account Manager inbox for a message. If you are, you can accept your approved loan online.
  • Auto Loan Check – Check provided for pre-approved auto loan. Makes shopping and purchasing a vehicle quick and easy.
  • Auto Buying Resources – Get shopping advice, get DCU auto loans at participating dealers, research new and used cars, access NADA Guides and Edmunds, and more.
  • 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.
  • DCU Auto Insurance – You can count on us for good service, good value, and expert help in choosing the best auto insurance solution for you and your family.
  • Intent to Sell Form – Provide to DCU if you are buying a mobility vehicle through a private sale.
  • StreetWise Disability Resource GuideStreetWise guide provides links to a variety of online resources for people with disabilities and their families.

Mobility Vehicle 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 Available Cash Calculator – Learn the most you should pay for your next car and the amount of cash your desired loan payment will get you.
  • StreetWise Auto Buyers Guide – Use this guide to help ensure you negotiate the best deal before purchasing your next vehicle.
  • 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.
  • 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 now or think you may soon experience a financial setback. The earlier you contact us, the more we can do to help.
  • Vehicle Loan Payoff Form for Insurance Agencies or Dealers – Dealers and insurance agencies can use this form to obtain a 10-day loan payoff for members' auto loans.