The Sequoyah Fund Inc., The is a personal loan from Sequoyah Fund Inc., The. The ongoing APR is 10% fixed. Typical credit limit: Up to $2,500. Loan terms: 2 years; includes counseling program. Credit Builder Loans are available to enrolled members of the Eastern Band of Cherokee Indians (EBCI) to help with building and repairing credit scores. To access the loan, participants must apply and be accepted into a year-long program that includes 1-on-1