A power wheelchair denied by insurance after a three-month review. A manual backup that had cracked at the frame. A 533 credit score. The appeal process taking 30 days she didn't have. Three offers in 23 minutes.
Apply Free — Wheelchair Loan →Patricia had multiple sclerosis, diagnosed seven years ago, and had been using a manual wheelchair for two of those years as her upper body strength had decreased to the point where self-propulsion over any meaningful distance had become unreliable. Her neurologist had prescribed a power wheelchair twelve months ago. Insurance had been reviewing the claim for three of those months before issuing a denial citing insufficient documentation of medical necessity — a phrase that her neurologist found frustrating enough to put in writing.
The same week the denial arrived, the frame of her manual chair cracked at a weld point near the left rear wheel. The chair was still technically usable but unstable in a way that her occupational therapist said was a fall risk she should not accept.
Power wheelchair cost out of pocket: $3,200 for the model her neurologist had specified. The appeal process: up to 30 days, with no guarantee of approval. Her savings had $180. Her credit score was 533.
She searched "wheelchair loan bad credit." Money247.com appeared. Applied at 2:10 PM, connecting her account to show five years of medical transcriptionist income — remote, consistent, deposited biweekly. At 2:33 PM — 23 minutes later — three offers. Best offer: $3,200 at 28% APR over 48 months. Monthly payment: $104. Accepted. Wheelchair ordered same afternoon, delivered within a week. The appeal was eventually approved four weeks later — she used the partial insurance reimbursement to pay down the loan.
"Insurance denied after three months of review. Her manual backup was a fall risk. The income-only lender looked at five years of medical transcriptionist deposits and answered in 23 minutes — without waiting for an appeal that took 30 more days."
— Why current income tells a more complete story than a credit score aloneInsurance appeals for mobility equipment can take 30–90 days with no guarantee of approval. During that time, a patient who needs a wheelchair needs a wheelchair — the appeal timeline is medically irrelevant. A personal loan from Money247.com based on income history funds the equipment immediately, and when an appeal is eventually approved the insurance payment can reduce the loan balance directly.
Patricia's appeal was approved four weeks after the wheelchair arrived. The insurance paid $1,800 of the $3,200 cost, which she applied to her loan balance immediately. She has made payments on the remaining balance every month. Her credit score moved from 533 to 562. The wheelchair her neurologist prescribed is the one she uses every day.
Bad credit from 500. Soft check only. Same-day deposit. 300+ lenders competing.
Apply Free — Wheelchair Loan →Bad credit from 500. Soft check only. Same-day deposit. 300+ lenders. Free in 2 minutes.
Apply Free — Wheelchair Loan →