Show Me Loans

The Show Me Loans program offers low-interest financial loans to enhance the independence of Missourians with disabilities or age-related changes. These loans can help people acquire essential assistive technology (AT), home or vehicle modifications, or employment-related items or services.

In addition to the cost of the device, loans can include the price of a warranty and/or maintenance agreement.

TYPES OF LOANS ELIGIBILITY HOW TO APPLY MAKE A PAYMENT

Four types of Show Me Loans are available: the General AT Loan, Micro Loan, Accessible Vehicle Loan, and Workability Loan. With the exception of the WorkAbility loan, interest rates will be between 2% and 4% and are based on the income guidelines stated on the Loan Calculator page. The WorkAbility loan interest rate is 1%.

General AT Loan

This loan is for most types of AT devices and services, with amounts ranging from $500 to $20,000. Devices and services can include adaptations to a home the family or individual owns, adaptations to a vehicle the family or individual owns, AT equipment repairs, seating and positioning devices, communication devices, adaptive recreational devices, hearing aids, or other disability-related items.

Micro Loan

Micro loans are under $500. They must be used to finance disability-related equipment or repairs of disability-related equipment. Types of AT include wearable technology, home automation devices, AT apps, daily living aids, and voice-activated devices. In addition, micro loans can be used to purchase refurbished DME, but they must include a warranty.

Accessible Vehicle Loan

This loan finances up to $50,000 for a modified vehicle to accommodate driver or passenger needs. (A limited number of accessible vehicle loans are made per year; please call our office before applying.) Vehicles cannot be more than 9 years old. Call our office for questions regarding the loan terms. Vehicles need to be purchased, modified, and/or inspected by an NMEDA mobility dealer.

WorkAbility Loan

This loan can help individuals start or maintain employment when traditional financing options are unavailable, out of reach, or unaffordable. Loans can be used to finance employment-based AT, equipment, or devices. Loans range from $500 to $15,000 and must be related to:

  • Obtaining employment.
  • Self-employment. (Must provide a business plan.)
  • Working remotely for an employer. (Must provide verification of employment.)

To be eligible, loan applicants must meet the following requirements:

  • Be a Missouri resident.
  • Be a person with a disability, a person with an age-related change, or a family member applying on behalf of another family member with a disability.
  • Be of legal age to enter into a contract.
  • Agree to use loans only for qualifying items, such as assistive technology, durable medical equipment (DME), vehicle access modifications, homeowner access modifications, hearing aids, etc.
  • Have obtained a quote from a vendor for the items to be purchased with the loan. If you need assistance finding AT, please call our office for help.

If Show Me Loans is not an option or does not cover full cost:

Additional Funding Resources—Visit our AT Funding Resources page to learn about additional funding options.

Financing Literacy Resources—Visit our Financial Literacy Resources page to learn more about finances and understanding credit. You can also view or download our Financial Smarts brochure.

MOABLE—Are you looking for funding options instead of a loan? If you qualify, open a STABLE account with MOABLE. Assistive Technology is a qualified expense with the MOABLE program. To learn more about STABLE Accounts, what the benefits are, and who is eligible, visit MOABLE.

To start, please complete our Show Me Loans application:

Show Me Loans 2026 Application

It is very important that applications are completed in full, signed, and have all required documents attached at the time of submission.

For all loan applications, the following must be included:

  • Completed loan application.
  • Photocopy of a Missouri state or military identification card for all parties on the loan.
  • Photocopy of written verification of income or benefits for all parties on the loan.
  • Written quote for the AT you wish to finance.
  • Written verification of the disability or age-related change that requires the use of the AT you wish to finance.
  • Written verification of additional funds from you or another source contributing to the overall cost of what you need to finance.

In addition to the above, accessible vehicle applications must also include:

  • Copy of Social Security card for all parties on the application.
  • An insurance coverage quote for the new vehicle.
  • A quote from the mobility dealer for the total cost of the vehicle.
  • If matching or third-party funds will be used to help purchase the vehicle, the funding source must provide written verification of the amount.

WorkAbility applications must also include:

  • A business plan with outline of company’s vision, market research, personnel expertise, products/services to be offered, marketing plan, and five-year budget.

Additional Information:

  • Please let us know if you are expecting any change in your income or expenses in the near future.
  • If you have not used traditional credit, we will consider other records. If you have paid a store account, a cell phone bill, or rent, provide a print-out of those payment histories with your application. Call our office for any questions or assistance.

Mail, fax, or email the application and the attached documents to our offices at:

Missouri Assistive Technology
C/O Show Me Loans
1501 N.W. Jefferson St.
Blue Springs, MO 64015

ehoutman@mo-at.org

(816) 655-6710 (FAX)

If you have a negative credit history or have any questions, you may contact Missouri Assistive Technology before completing your application at (816) 655-6702.

How your application will be reviewed:

A multi-member loan review committee will review the application and credit history prior to making a decision. Applicants will be notified in writing of the Loan Review Committee’s decision.

Loan borrowers can make a payment using a credit card or debit card at Show Me Loan Payment.