The Appalachian Assistive Technology Loan Fund is a personal loan from Appalachian Assistive Technology Loan Fund. The ongoing APR is All Mini-Loans have an interest rate of zero (0%) percent.. Typical credit limit: Applicants who are found to be credit-worthy can borrow from $100 to $7,000.. Loan terms: Repayment terms are determined by a qualified individual's capacity to repay and shall not exceed forty-eight months (4 years) with a minimum monthly payment of no less than $20..