Can I Finance an Extreme Motus All Terrain Wheelchair?

One of the most common questions I get: “I want the Motus, but the upfront cost is real. What are my options?” The short answer is you have more paths than you probably think. Let me walk you through them.

How to Finance: The Real Options

1. Affirm or Klarna (Buy-Now-Pay-Later)

Affirm is live on our checkout. It offers 0% interest if you qualify — no hidden fees, no surprises. The image you see above shows $203/month over 24 months on the base Motus. Pay it off early with zero penalty.

These installment plans are popular because they’re fast. You get approved in minutes, the chair ships right away, and you pay in chunks that fit your paycheck.

2. Manufacturer Payment Plans

We offer direct 6–24 month financing through our own payment partner. Call or email us — no complicated application. This is what I recommend if Affirm doesn’t work for your credit profile.

3. HSA / FSA (Use Pre-Tax Dollars at Checkout)

If you have an HSA or FSA, you can pay for the Motus with pre-tax dollars — and the process is fast. We’ve integrated Gale at checkout, which handles the medical-necessity documentation automatically. You don’t need to visit your doctor, you don’t need to chase a Letter of Medical Necessity, and you don’t need to file paperwork with your plan administrator. Select Gale at checkout, answer a few short questions about your situation, and pay with your HSA/FSA card.

Why this matters financially: HSA/FSA dollars are pre-tax, so a $4,500 chair effectively costs ~$3,150–$3,600 depending on your tax bracket. That’s $900–$1,350 in real savings versus paying with after-tax money. For most buyers this is the single biggest cost reduction available.

HSA/FSA eligibility is determined by Gale and your plan administrator, not by Extreme Motus. Tax savings depend on your individual bracket — consult your tax advisor.

4. Disability Grants (The Overlooked Path)

If you or a family member has a spinal cord injury, SCI, paralysis, or certain mobility conditions, several nonprofits offer equipment grants:

• Christopher & Dana Reeve Foundation: Up to $25,000 for SCI. Application every year, windows vary. Visit reevefoundation.org.
• Kelly Brush Foundation: Mobility equipment grants, especially for women. kbrush.org.
• High Fives Foundation: For athletes with spinal cord injuries. highfivesfoundation.org.
• MDA (Muscular Dystrophy Association): If you have MD, grants available. mda.org.
• ALS Association: For ALS patients and families. als.org.

These take longer (4–12 weeks), but they’re real money. Many folks combine a grant (covers half) with Affirm (covers the rest). That’s the winning combo — one person funds 50% via Reeve, uses Affirm for the other 50%.

5. VA Benefits (Veterans Only)

If you’re a veteran with a service-connected disability, your state’s VA Adaptive Sports program may fully cover an all-terrain chair. Contact your VA regional office or adaptive sports coordinator. It’s a different process than civilian routes — slower, but it can be a complete win.

6. Medicaid Waivers (Variable by State)

Some states have Medicaid programs that cover adaptive equipment under waiver programs (like community integration waivers). This varies wildly by state. Call your state Medicaid office or talk to an occupational therapist — they know which states have what.

7. Crowdfunding

GoFundMe campaigns for mobility equipment succeed about 60% of the time when shared through disability networks and advocacy groups. Not a guarantee, but if you have a network, it’s worth trying. Frame it as “Help me get outdoors” — people respond to that story.

What Insurance Will NOT Cover

Medicare and most private insurance don’t cover all-terrain wheelchairs. They’re classified as “recreational” equipment, not medically necessary. I know this is frustrating — the Motus genuinely improves quality of life and independence. But in insurance terms, it’s a luxury, not a medical device. So don’t waste time filing an insurance claim. Focus on the seven paths above instead.

Total Out-of-Pocket: What It Really Costs

• Base Motus: $4,500
• US shipping: ~$375
• Optional add-ons: Headrest (+$200), tall-rider footrest (+$200), embroidery/custom colors (+$200–$400)
• Monthly on Affirm (24 months): $203 (0% interest, base chair only)

If you add a headrest and tall footrest, that’s $4,900 base + $375 shipping = $5,275. Affirm would be ~$219/month over 24 months.

My Honest Take

The Motus is not cheap. Four grand-plus is a real commitment. But if it’s the difference between being stuck at home and actually getting outside — being on the beach with your family, hiking a trail, rolling through snow — it’s worth every penny.

Here’s what I’d do if I were you: (1) Check if a disability grant applies to you (takes 10 minutes to research). (2) If you have an HSA or FSA, use Gale at checkout — pre-tax dollars, no doctor visit needed. (3) Run the Affirm numbers — $203/month sounds different than $4,500 lump sum. (4) Try one in person before you buy — our interactive location map shows 59 places where you can roll a Motus on real terrain for free. (5) Call us if you want to talk through your specific situation. We’ve helped a lot of people find the right funding combo.

Ryan Grassley · ryan@extrememotus.com

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FAQ: Financing an All-Terrain Wheelchair

Can I use my HSA to buy an Extreme Motus?

Yes — and it’s much simpler than it used to be. Select Gale as your payment option at checkout. Gale handles the medical-necessity documentation automatically and lets you pay directly with your HSA/FSA card. No doctor visit, no waiting on letters, no plan-administrator paperwork. The whole eligibility step happens during checkout.

What if I don’t qualify for Affirm?

No problem. Call us for a direct manufacturer payment plan. We work with alternative lenders and can often approve what Affirm doesn’t. Slower process, same result.

How long does a disability grant take to approve?

4–12 weeks, depending on the foundation. Reeve Foundation usually 8–10 weeks. Kelly Brush 4–6 weeks. Start the application now if you think you qualify — you don’t have to wait until you buy the chair.

Can I combine financing sources?

Absolutely. This is common: a grant covers 40–50%, Affirm covers the rest. The grant money goes into your bank account, you use it on the wheelchair purchase, Affirm finances the gap. Talk to us if you want to structure it this way.

Will my Medicaid cover it?

Unlikely, but worth asking. Most state Medicaid programs don’t cover all-terrain chairs. Some community-integration waivers do. Your occupational therapist or state Medicaid office can tell you in 15 minutes. Don’t assume no — just verify.

Is there a payment plan without interest?

Affirm offers 0% interest if you qualify and pay in full within the term. Our direct manufacturer plans vary — ask us for details on current offers.

Can I try one before I buy?

Yes — and you should. Our interactive map shows 59 parks, zoos, and adaptive sports programs across the US, Canada, Australia, and the UK that keep an Extreme Motus available for visitors. A free 30-minute test ride answers questions no spec sheet can.