ASSISTIVE TECHNOLOGY FINANCIAL LOAN
Bridging Your Financial Gap
IPAT’S Assistive Technology Financial Loan (ATFL) program offers the people of North Dakota a financing option to help bridge the gap between resources and the need for assistive technology device and service purchases.
What does the ATFL offer?
•	Low-interest rate loans make it easier for people with disabilities to get the AT they need
•	Program flexibility to make what may seem out of reach financially affordable
•	Individual consideration if there is a poor credit history
•	Local loan administration by Alerus Financial and IPAT
Who is eligible?
•	You must be a person with a disability, a family member, or approved representative of a person with a disability
•	You need to demonstrate the ability to repay a loan
•	The end-user of the AT loan applied for must be a North Dakota resident

What can be purchased?
Loans must be used to purchase assistive technology devices or services. Some examples include:
•	Communication systems
•	Hearing aids and assistive listening devices
•	Assessments
•	Home modifications
•	Computers and disability-related software
•	Manual or motorized wheelchairs and scooters
•	Training to use the AT purchased
•	Adapted vehicles
•	Low vision devices
•	Used AT devices
How does it help?
•	Offers low interest loans, typically at 2% above money market savings
•	Offers flexible repayment terms
•	Will work with you if repaying the loan becomes problematic
Loan Information
•	Minimum $500
•	Maximum $50,000
•	The term of the loan will depend in part on the type of device/service for which you are applying 
•	Loan is held at Alerus Financial
Look to IPAT
•	To determine if you or what you want to purchase meets program guidelines
•	To get an application by calling (800) 895-4728 or online at ndipat.org
•	To get help completing the application
•	As your go-to assistive technology resource
Contact Information
IPAT
Address: 3240 15th Street South, Suite B, Fargo, ND 58104
Phone: 701-365-4728
Toll Free: 800-895-4728
Email: ipatinfo@ndipat.org
Website: www.ndipat.org

Program is funded by RSA US Department of Education – North Dakota Protection and Advocacy

Alternative Formats Available