Disability Vehicle Finance
Independence matters. Whether you need a wheelchair accessible vehicle, hand controls, or other modifications, we help you finance a vehicle tailored to your needs. We can coordinate with NDIS funding and work with suppliers who specialise in disability modifications.Finance wheelchair accessible vehicles and modifications. NDIS coordination and flexible options available.
Finance the vehicle and modifications together
Finance for Accessible Vehicles & Modifications
Having the right vehicle can make an enormous difference to independence and quality of life. Whether you need a wheelchair accessible vehicle (WAV), hand controls to drive yourself, or modifications to transport a family member, we're here to help make it financially achievable.
At Your Lending Friend, we understand that disability vehicles often require specialised modifications that add to the cost. That's why we can finance the complete package - base vehicle plus modifications - in one manageable loan.
Receiving NDIS funding? We can work alongside your funding plan.
Vehicle & Modification Options
Finance solutions for all accessibility needs
Wheelchair Accessible Vehicles (WAVs)
Purpose-built or converted vehicles with ramps or lifts for wheelchair access. Available as vans, SUVs, and people movers.
Examples: Toyota HiAce, Kia Carnival, Mercedes V-Class conversions
Vehicles with Hand Controls
Standard vehicles modified with hand-operated accelerator and brake controls for drivers with lower limb disabilities.
Examples: Most vehicle makes can be adapted
Modified SUVs & Vans
Lowered floors, swing-out seats, or transfer aids to make entry and exit easier for wheelchair users.
Examples: Kia Carnival, Honda Odyssey, Toyota Granvia
Vehicles with Hoists & Lifts
Roof-mounted hoists or boot-mounted lifts to store wheelchairs or mobility scooters.
Examples: Can be fitted to many SUVs and wagons
Modifications We Can Finance
Include any necessary modifications in your vehicle finance
Driver Modifications
- Hand controls (accelerator/brake)
- Steering modifications
- Left foot accelerator
- Pedal extensions
- Joystick controls
Passenger & Access Modifications
- Wheelchair ramps
- Wheelchair lifts
- Lowered floor conversions
- Swing-out/rotating seats
- Transfer boards
Storage Solutions
- Roof-mounted hoists
- Boot-mounted wheelchair lifts
- Internal wheelchair storage
- Scooter carriers
- Equipment tie-downs
How Disability Vehicle Finance Works
A straightforward process to get you on the road
Assess Your Needs
What modifications do you need? Work with an occupational therapist or mobility specialist to identify the right vehicle and modifications.
Get Quotes
Get quotes for the vehicle and any modifications. We can help finance the complete package - base vehicle plus all necessary modifications.
Coordinate Funding
If you have NDIS funding or other grants, we can work with you to coordinate how private finance fits with your funding plan.
Drive with Independence
Once approved and modifications complete, you'll have a vehicle tailored to your needs. We aim to make the process as smooth as possible.
Checking your options won't affect your credit score
NDIS & Funding Coordination
Understanding how private finance works with NDIS funding
Vehicle Modifications
The NDIS may fund reasonable and necessary vehicle modifications that increase independence. This could include hand controls, wheelchair lifts, or ramps.
What NDIS May Cover
Modifications to help you drive or travel as a passenger. The NDIS generally doesn't fund the base vehicle itself, but can fund the modifications.
How We Can Help
We can finance the base vehicle while NDIS covers modifications, or finance the full amount if modifications aren't NDIS-covered.
Assessment Requirements
NDIS typically requires an occupational therapist assessment to determine necessary modifications. We recommend starting this process early.
Important: NDIS funding decisions depend on individual circumstances and plans. We recommend speaking with your NDIS planner or support coordinator about vehicle funding before applying for finance.
We're Here to Help
Navigating disability vehicle finance can feel complex, but you don't have to do it alone. Our team takes the time to understand your specific needs and explain your options clearly. We work with you, your occupational therapist, and modification suppliers to find a finance solution that works.
Talk to Our TeamIncome Types We Accept
General Requirements
Disability Vehicle Finance FAQs
Common questions about financing accessible vehicles
Yes, in most cases we can arrange finance for the complete package - the base vehicle plus all modifications. This can be simpler than arranging separate finance, and ensures everything is covered in one loan with one repayment.
Generally, the NDIS funds reasonable and necessary modificat...
Generally, the NDIS funds reasonable and necessary modifications, but not the base vehicle itself. The vehicle is considered a personal expense. However, NDIS may contribute to the additional cost of a more expensive vehicle if a standard one can't be modified. We recommend discussing with your NDIS planner.
If NDIS is funding your modifications, we can structure fina...
If NDIS is funding your modifications, we can structure finance for just the base vehicle. If you're funding modifications yourself, we can include them in your loan. We'll work with you to find the most cost-effective approach.
Yes, we have options for borrowers with less-than-perfect cr...
Yes, we have options for borrowers with less-than-perfect credit. Our specialist lenders consider your whole situation, not just your credit score. If you receive a Disability Support Pension, this is considered regular income by many lenders.
This depends on your modifications and licence restrictions....
This depends on your modifications and licence restrictions. If your licence has conditions (like "automatic only" or "hand controls only"), your vehicle must meet these. We recommend confirming with your licensing authority before purchasing.
Yes, we can finance quality used WAVs and modified vehicles....
Yes, we can finance quality used WAVs and modified vehicles. We recommend getting a thorough inspection including the modification equipment. Used WAVs can offer significant savings over new conversions.
Disability Support Pension and Carer Payment are accepted as...
Disability Support Pension and Carer Payment are accepted as income by many lenders. While options may be more limited compared to employment income, we work with lenders who understand the stability of these payments.
Modification timelines vary depending on complexity. Simple ...
Modification timelines vary depending on complexity. Simple hand controls might take a few days, while full WAV conversions can take 4-8 weeks or longer. We can settle finance to align with when your vehicle will be ready.
Still have questions? Contact our friendly team