How to Finance a Power Wheelchair in Australia
Getting a power wheelchair can be a game-changer. But for many Aussies, the price tag can feel overwhelming. Power wheelchairs can cost anywhere from a few grand to well over $15,000, depending on the model and features.
That’s where financing comes in. Instead of paying upfront, you’ve got options to spread the cost over time — or even get help from the government or community programs. Whether you’re living with a disability, an older adult, or a carer looking for solutions, knowing your financing options can make a huge difference.
Let’s break it all down in simple terms.
Why Financing a Power Wheelchair is Important
A good power wheelchair offers freedom, independence, and better quality of life. But the reality? They’re not cheap.
Here’s why financing matters:
- Most people can’t pay $10,000+ upfront
- Waiting months to save up isn’t ideal when mobility is a daily need
- Flexible finance options mean faster access to support
Some of the most advanced models — like reclining chairs or lightweight carbon fibre options — offer serious comfort and support. But they’re an investment.
The good news? Australia offers several ways to help fund or finance a power wheelchair. From government support to private payment plans, there’s a solution for nearly every situation.
Government Assistance Programs
1. National Disability Insurance Scheme (NDIS)
If you’re living with a disability, the NDIS could be your best bet.
NDIS is a national program that provides funding for supports and services — including power wheelchairs. It’s tailored to your personal needs.
Who’s eligible?
- Australian residents under 65
- Living with a permanent and significant disability
Steps to apply:
- Get assessed to see if you qualify
- Work with your planner or Local Area Coordinator (LAC)
- Include the power wheelchair in your NDIS plan
- Choose a registered provider like Assistive Tech Hub for NDIS-approved models
You’ll likely need a report from an occupational therapist explaining why a power wheelchair is necessary and which model suits your needs.
Explore Assistive Tech Hub Power Wheelchairs for NDIS-approved models.
Why NDIS helps:
It can fully cover the cost or offer partial support, depending on your plan.
2. My Aged Care & Home Care Packages (HCP)
If you’re over 65, My Aged Care is your go-to for government support.
Home Care Packages (HCP) are designed to help older Australians stay independent and safe at home — and that includes mobility equipment.
How it works:
- Start with an ACAT assessment (Aged Care Assessment Team)
- Based on your care needs, you’ll be placed in one of four funding levels
- Use part of your package to pay for a power wheelchair
Not all providers supply mobility aids, so it’s worth working with one that does. That’s where Assistive Tech Hub comes in handy — they understand the funding process and have models suitable for older adults.
3. State & Territory-Based Mobility Aid Grants
In addition to federal programs, each state and territory offers its own grants and funding options.
Examples include:
- EnableNSW in New South Wales
- SWEP in Victoria (Statewide Equipment Program)
- Medical Aids Subsidy Scheme (MASS) in Queensland
Tips for navigating local programs:
- Ask your GP or occupational therapist
- Contact your local community health service
- Search your state’s official health website for mobility funding
Each program has its own rules and paperwork. Some cover equipment directly, others require you to pay upfront and get reimbursed.
Private Health Insurance & Payment Plans
1. Does Private Health Insurance Cover Power Wheelchairs?
It can — but not always.
Some private health insurance plans include extras cover that helps with mobility aids. Others may not cover power wheelchairs at all.
Here’s what you should do:
- Review your current policy documents
- Look for “durable medical equipment” or “mobility aids”
- Call your insurer to confirm coverage and how to claim
Keep in mind:
- There may be annual limits
- You might need a referral or recommendation from a healthcare provider
It’s worth checking before buying — a few hundred dollars back is still a win.
2. Buy Now, Pay Later & Installment Plans
Not eligible for government help or don’t want to wait? Retailers like Assistive Tech Hub Store offer finance-friendly options that let you take your wheelchair home now and pay it off over time.
Benefits:
- Interest-free options with providers like Afterpay, ZipPay, or Humm
- Quick application process
- No need for complex paperwork
Just make sure you understand:
- Payment terms
- Late fee penalties
- Whether you need to pay a deposit
Retailers that specialise in assistive tech usually understand how to guide you through the process.
3. Personal Loans for Mobility Equipment
Banks and lenders offer personal loans that can be used to buy medical equipment, including power wheelchairs.
Why consider a loan:
- You can shop anywhere, not just finance-approved retailers
- Fixed repayment terms and interest rates
- Useful when other options aren’t available
What to watch out for:
- Higher interest rates if your credit isn’t great
- Comparison rates that show true cost over time
- Early repayment fees
Charities & Non-Profit Assistance Programs
If government and private finance options aren’t a match, community groups and charities can help.
Many offer:
- Equipment grants
- Donated or refurbished power wheelchairs
- Short-term financial assistance
Here are a few worth checking out:
- St Vincent de Paul Society
- Better Life Mobility Foundation
- TAD Australia (Technology for Ageing and Disability)
- The Salvation Army
Applying usually involves:
- Filling out a form
- Explaining your situation
- Providing documents like income statements or healthcare cards
It might take time, but if you’re on a low income or in urgent need, it can make all the difference.
Choosing the Right Power Wheelchair for Your Budget
1. Entry-Level vs. Premium Power Wheelchairs
Power wheelchairs come in all shapes and sizes. Choosing one depends on your needs and your budget.
Entry-level models:
- Basic features
- Suitable for short trips or indoor use
- Lower weight limits
Premium models:
- Advanced comfort (reclining, tilt, suspension)
- Higher battery range
- Customisable controls and frames
Great options to consider:
- Carbon Fibre Power Wheelchair – super lightweight, easy to fold
- Fully Automatic Reclining Power Wheelchair – great for comfort and pressure relief
Choose what fits your daily routine. And always think long-term — especially if your condition might change.
2. Buying vs. Renting: Which is More Affordable?
Sometimes, renting makes more sense than buying.
Renting is ideal when:
- You only need the wheelchair temporarily
- You want to try before you commit
- Your needs are expected to change soon
Check out Assistive Tech Hub Wholesale to compare short- and long-term rental plans. They often include maintenance and delivery — which saves extra costs.
Where to Buy a Power Wheelchair with Financing Options
You can buy power wheelchairs from trusted Australian retailers that offer flexible financing. Assistive Tech Hub provides expert advice and payment plans to suit different budgets. Reach out to explore your options.
Conclusion: Find the Best Financing Plan for Your Needs
No one should miss out on mobility because of money.
In Australia, there’s a wide mix of options — from the NDIS, My Aged Care, and state grants, to private health cover, interest-free plans, and even charity support.
Take time to explore what you’re eligible for. Compare payment options. And work with providers like Assistive Tech Hub, who can guide you through the process with care and expertise.
At the end of the day, the right wheelchair — and the right financing — isn’t just about mobility. It’s about freedom, dignity, and getting your life back on your terms.
