Financing for Home Medical & Accessibilty Needs
Get the equipment or home modifications you need — now available through financing options from Mobility Trust.
Sometimes the right solution for your mobility or home accessibility needs is a larger investment. Whether you’re considering a power wheelchair, scooter, lift chair, hospital bed, or a home modification such as a stair lift, shower remodel, or vertical platform lift, HME Home Medical has partnered with Mobility Trust to offer financing options that can make your purchase more manageable.
With financing available for qualifying purchases from $1,500 up to $35,000, you may be able to spread the cost of your purchase over time with monthly payments that fit your budget.
Financing may be available for:
- Power wheelchairs
- Mobility scooters
- Lift chairs
- Hospital beds
- Ramps
- Stair lifts
- Vertical platform lifts
- Barrier-free or low-barrier showers
- Ceiling lifts
- Other qualifying home modifications
Down payment, interest rate, and loan term vary based on credit score and the total amount financed.
See if you qualify — without affecting your credit
Getting started in simple. Use our secure application link to apply though Mobility Trust. The initial application includes a “soft” credit pull, which does not impact your credit score.
Once your application is reviewed, Mobility Trust will provide a decision and commitment letter indicating an approval, denial, or counter-offer, along with the applicable terms and conditions.
If approved, Mobility Trust will work directly with you to review your financing terms, including:
- Monthly payment
- Interest rate
- Length of financing term
- Required down payment, if applicable
- Other terms and conditions
There are no pre-payment penalties.
Approval, financing terms, and eligibility are determined by Mobility Trust and are subject to credit approval. Applying does not guarantee approval or a particular financing rate, term, or payment.
How the financing process works
1. Apply online
Complete your financing application through our special Mobility Trust application link. The initial credit review is a soft credit pull and does not impact your credit score.
2. Receive your decision
Mobility Trust reviews your application and provides a commitment letter with an approval, denial, or counter-offer, along with your available terms and conditions.
3. Review your terms
If approved, Mobility Trust will review your financing terms with your, including your monthly payment, interest rate, term, and any required down payment.
Mobility Trust may request additional documentation, such as proof of address or income.
4. Complete your purchase
Once Mobility Trust has received any required documentation and a copy of your purchase order from HME Home Medical, your purchase can be funded.
5. HME gets to work
After funding is completed, HME Home Medical can schedule the appropriate next steps for your purchase, such as equipment delivery or installation.
An important note about your first payment
Your financing payments to Mobility Trust begin exactly 30 days after you sign your financing paperwork.
This mean your first payment date is not based on the date your equipment is delivered or your home modification is installed.
Please make sure you understand your payment start date before signing your financing paperwork.
Frequently Asked Questions
What roles does Mobility Trust play?
Mobility Trust provides and services the financing. Once you have signed your financing contract with Mobility Trust, any questions regarding your financing account, payments, interest rate, payment schedule, or other financing-related matters should be directed to Mobility Trust.
What role does HME Home Medical play?
HME Home Medical remains responsible for your equipment and services. Product warranties, equipment servicing, repairs, delivery, and applicable installation or home modification services continue to be handled by HME Home Medical.
How can I make my Mobility Trust payment?
Financing payments can be made:
By Mail
Send a check to:
Mobility Credit Acceptance
1108 E Main St, Suite 200
Richmond, VA 23219
*Notice: Customers need to enter the Account Number in the memo line
By Phone
Call 1-804-505-4985
Online
Mobility Trust online payment portal Visit the
Who should I contact with questions?
If you have a question about your medical or home modification product, please contact HME Home Medical.
If you have a question about your financing, including questions about repayment, rates, or terms, please contact Mobility Trust.
Can I use financing for any purchase with HME Home Medical?
You can apply for financing for any new home modification or medical equipment purchase over $1,500 at HME Home Medical.
Financing may not be used for existing balances or purchases under $1,500.
If you need general financial assistance for your durable medical needs, please contact our finance department at 800-236-2619 or by visiting the Contact Us page.
Ready to Get Started?
If you’ve been putting off a larger equipment purchase or home modification project because of the upfront cost, financing may provide another option.