# NDIS & Disability Equipment Finance – FLOW Financial Services NDIS & Disability Equipment Finance Looking for straightforward disability equipment finance? Let us save you time, money and hassle! FLOW Financial Services When your NDIS plan doesn't stretch far enough, finance can bridge the gap NDIS funding doesn’t always cover everything. Plans have limits, reviews take time, and some of the equipment that would make the biggest difference sits outside the approved categories. When your plan doesn’t stretch to what you need, or you’re waiting on a review, a personal loan or asset finance product can bridge the gap. And if you’re not on the NDIS at all, finance is available regardless.The structure depends on the item. Smaller equipment such as devices, aids and items under approximately $10,000 is typically arranged as an unsecured personal loan with fixed repayments over one to seven years. Vehicle modifications and larger assets may be financed as secured asset loans with lower rates. We assess each situation individually and recommend the most appropriate structure.FLOW Financial Services arranges loans for wheelchairs, power chairs and mobility scooters, assistive technology and communication devices, vehicle modifications and wheelchair-accessible vehicle conversions, home modifications including ramps, bathroom fittings and handrails, hearing aids and cochlear implants (where not NDIS-funded), adaptive sports equipment, and lifts and ceiling hoist systems. 15+ Years Experience Premium personal service 300+ 5-star google reviews Loan protection packages Easy Online Process Market leading Interest Rates Fast turnaround times High Approval rates Protect your credit score Expert Loan Brokers 40+ Trusted Lenders Tailored Loan Products Flexible Repayment options Why Choose Us Whether it's a first mobility aid or a full vehicle conversion, disability equipment finance is one of our areas of expertise. Financing equipment alongside an NDIS plan takes some navigating. Working out what the plan covers, what it doesn’t, and what’s genuinely worth borrowing for is half the job.Maybe you’re waiting on a plan review and need equipment now. You want to know if a carer or family member can apply on behalf of a participant, or whether finance is available without being on the NDIS at all. You may be very anxious to khow quickly funds can land.We answer these questions every day. FLOW works with a panel of more than 40 lenders, and we know which lenders suit smaller unsecured loans, which lenders handle vehicle modifications, and which ones assess a range of income types including carer and family arrangements. The result is finance for the gap that’s actually yours to cover. SAVE MONEY Our network of over 40 lenders gives us access to rates and structures you won’t always find going direct. We also help you make sure your NDIS plan and any other funding is fully used first, so you only borrow what you genuinely need to. SAVE TIME We manage the finance process from first conversation to settlement. Rather than comparing lenders on top of everything else you’re coordinating, you hand it to us. The applications, the documentation and the follow-up are ours to deal with. EXPERT ADVICE We take the time to understand your situation before recommending anything. Item type, loan size, income arrangement and NDIS status all shape the right structure, and we’ll walk you through the reasoning so the decision is an informed one. STRESS LESS We speak with lenders before any formal application goes in, so we only proceed with options that are genuinely likely to get approved. That protects your credit file from unnecessary enquiries and keeps the process predictable. Get Equipment Finance Today FAQs Our Frequently Asked Questions. If you have any further questions, please contact us. What is NDIS and disability equipment finance? It covers the personal loan and asset finance products used to pay for disability equipment, assistive technology, vehicle modifications and home modifications. It’s designed for costs that sit outside an NDIS plan, gap amounts where the NDIS funds part of the cost, and purchases by people who aren’t NDIS participants. Who can apply for disability equipment finance? NDIS participants, carers, family members and people with disability who aren’t on the NDIS. Applications are assessed on income and financial commitments, and the supporting income can be yours, a carer’s or a family member’s depending on the arrangement. How do I get started with my application? Get in touch with a quote for the equipment or modification and, where relevant, your NDIS plan details. We’ll ask for some basic documentation, talk through your situation and tell you what’s realistic before anything formal is submitted. What documents will I need to provide? Typically proof of identity, proof of income (yours, a carer’s or a family member’s depending on the arrangement), a quote for the equipment or modification, and NDIS plan details where relevant. We’ll tell you exactly what your application needs before you start gathering anything. Should I check my NDIS plan before arranging finance? Yes, always. Items listed under Assistive Technology or Capital Supports in your plan may be fully funded, in which case you don’t need a loan at all. Finance is most useful for items outside your plan’s approved categories, upgrades beyond what the plan funds, equipment needed while waiting on a review, and gap amounts. If you’re unsure what your plan covers, your support coordinator can help clarify before you apply. Can a carer or family member apply on behalf of a participant? In some cases, yes. The right arrangement depends on whose income supports the loan and the specific circumstances, so get in touch and we’ll talk through the options. What if I'm not on the NDIS? Finance is available regardless of NDIS status. Many people with a disability fund equipment privately through personal loans, and the application process is the same. How fast can funds be available? Most personal loan applications are assessed within 24 to 48 hours. Secured asset loans for vehicle modifications and larger items may take slightly longer, and we’ll give you an accurate timeframe for your situation. What finance structures are available? Smaller items under approximately $10,000 are typically arranged as unsecured personal loans with fixed repayments over one to seven years. Vehicle modifications and larger assets may suit a secured asset loan with a lower rate. We assess each situation individually and recommend the structure that delivers the better outcome. 5 STAR GOOGLE REVIEWS What Our Happy Clients Say About Us FLOW FS FLOW is the finance broker participants and families trust to close the funding gap You know what equipment would make the difference to your life. The gap in funding shouldn't be the thing that stands in the way. Talk to our specialists about a loan built around your situation and whatever your plan already covers, with competitive rates from a panel of more than 40 lenders. We handle the finance, you get the equipment working for you. Get NDIS Equipment Finance Today