Eligibility Quiz

Let's get to know you better

As a national charity, Windmill Microlending has provided financial support to over 13,000 immigrant professionals like you!

First name

Please enter your first name

Middle name

Please enter your middle name

Last name

Please enter your last name

Email address

Please enter a valid email address

I’d like to stay informed on the latest updates and resources for achieving career success in Canada

Loan Product

Please specify an answer

Welcome to Windmill Microlending

Bienvenue au Moulin Microcrédits

What is your preferred language? / Quelle langue préférez-vous pour la communication?

English / Anglais

French / Français

What is the name of the settlement agency?

Please specify an answer

If you clicked "None of the above", please specify

Please specify an answer

What learning institution referred you?

Please specify an answer

What is your current immigration status?

Valid immigration status documents will be required

Have you applied for a PR?

Yes/Soon

When are you expecting your PR?

Please choose an option

In 3 months

In 6 months

In 12 months

I don't know

Have you received a Windmill loan before?

Yes

Note: If you were recently declined for a Windmill loan, please wait 6 months before reapplying.

Are these statements correct?

You are an international trained professional
You did not attend high school in Canada
You have at least one year of work experience or higher education outside of Canada

Yes

Do you live in Canada?

Yes

Are these statements correct?

You have chosen your course or program (licensing, credentialing, exam, etc)
The course or program starts within 3 months of today's date or has already started.

Yes

See results

Do you currently have an undischarged bankruptcy?

Yes

Note: Windmill will review your credit history only with your consent, provided by checking the box at the end of the application form.

What industry are you pursuing?

If your exact occupation isn't listed, please select the closest match

Why are you applying for this loan?

Career Change: I want to transition to a new profession

Credential Recognition: I want to work in the field I am trained or experienced in

Professional Development: I want to gain new skills or knowledge to advance in my current profession

Other

Economic Mobility Pathways Pilot (EMPP) loan

Note: Loans must be related to training or education

Why are you applying for this loan?

Career Change: I want to transition to a new profession

Credential Recognition: I want to work in the field I am trained or experienced in

Professional Development: I want to gain new skills or knowledge to advance in my current profession

Other

Economic Mobility Pathways Pilot (EMPP) loan

Note: Loans must be related to training or education

If you chose "Other", please specify

Please specify an answer

Note: Expenses must be related to training or education

See results

Congratulations! You’re eligible for a Windmill loan.

We need a few more details to complete your application.

Start by using our loan calculator to figure out how much you would like to borrow and estimate your repayment rate.

Congratulations! You’re eligible for a Windmill loan.

We need a few more details to complete your application.

Start by using our loan calculator to figure out how much you would like to borrow and estimate your repayment rate.

Great job! We need a few more details to complete your application.

60 months

Your maximum loan term can be up to 60 months

Interest payments

You only pay interest payments for the length of your educational program (maximum of 24 months)

3 month grace period

Start principal and interest payments after 3 months of completing your educational program

No hidden fees or penalties

We don't charge any extra fees, and there are no penalties if you want to repay your loan early

Learn how a Windmill loan works

60 months

Your maximum loan term can be up to 60 months

Interest payments

You only pay interest payments for the length of your educational program (maximum of 24 months)

3 month grace period

Start principal and interest payments after 3 months of completing your educational program

No hidden fees or penalties

We don't charge any extra fees, and there are no penalties if you want to repay your loan early

Great, you're eligible to apply!

Let's calculate your loan

How much are you looking to borrow?

Loan amount:

$2,000$15,000

How long is your educational program?

Educational program term

1 months24 months

When your education ends, how many years do you want to make loan payments?

Repayment term

12 months36 months

60 months

Your maximum loan term can be up to 60 months

Interest payments

You only pay interest payments for the length of your educational program (maximum of 24 months)

3 month grace period

Start principal and interest payments after 3 months of completing your educational program

No hidden fees or penalties

We don't charge any extra fees, and there are no penalties if you want to repay your loan early

Great, you're eligible to apply!

Let's calculate your loan

How much are you looking to borrow?

Loan amount:

$2,000$15,000

How long is your educational program?

Educational program term

1 months24 months

When your education ends, how many years do you want to make loan payments?

Repayment term

12 months36 months

60 months

Your maximum loan term can be up to 60 months

Interest payments

You only pay interest payments for the length of your educational program (maximum of 24 months)

3 month grace period

Start principal and interest payments after 3 months of completing your educational program

No hidden fees or penalties

We don't charge any extra fees, and there are no penalties if you want to repay your loan early

Your loan application preview

Based on your selections as below:

Amount borrowed: @LoanAmount
Interest rate applicable: 6.2% fixed
Time in education: @LPterm
Remaining term: @PaymentTerm

$(@LoanAmount_num*0.062)/12

Would be your monthly interest-only payment while in education and for 3 additional months while you find a job.

$(@LoanAmount_num0.062/12(1.005167)^(@PaymentTerm_num))/(1.005167^(@PaymentTerm_num)-1)

Would be your monthly payment after completing your education

@LPterm+@PaymentTerm months

Would be your total repayment term.

There are no penalties for paying early.

The above loan terms may change when we review your application. However, the interest rate will not change.

Turnkey Product

Please specify an answer

Your loan application preview

Based on your selections as below:

Amount borrowed: @LoanAmountHealth
Interest rate applicable: 4.45% fixed
Time in education: @LPtermHealth
Remaining term: @PaymentTermHealth

$(@LoanAmountHealth_num*0.0445)/12

Would be your monthly interest-only payment while in education and for 3 additional months while you find a job.

$(@LoanAmountHealth_num0.0445/12(1.0037083)^(@PaymentTermHealth_num))/(1.0037083^(@PaymentTermHealth_num)-1)

Would be your monthly payment after completing your education

@LPtermHealth+@PaymentTermHealth months

Would be your total repayment term.

There are no penalties for paying early.

The above loan terms may change when we review your application. However, the interest rate will not change.

Turnkey Product

Please specify an answer

Label

Please specify an answer

See results

Unfortunately, you are currently ineligible to apply for a Windmill Loan

To be eligible for a Windmill loan you:

1. Must be living in Canada.

2. Must be an immigrant with one of the following immigration status: Permanent Resident, Protected Person, Convention Refugee with Notice of Decision, Provincial Nominee, or Canadian Citizen.

3. Cannot have an active bankruptcy. Active consumer proposals or debt management programs are eligible if you can demonstrate at least 6 months of consistent payments on it.

4. Must be an internationally-trained individual who has completed post-secondary education outside of Canada and/or have a minimum of one year of post-secondary work experience before coming to Canada.

5. Must be pursuing a training or education program that is eligible for Windmill support. The specific program you have chosen is not eligible.

Have questions? Read our Frequently Asked Questions, found here.

For other eligibility-related inquiries, please contact us

You're on the right path

Just a little early to apply

Thank you for your interest in Windmill Microlending. We’re here to support you every step of the way as you prepare for your educational and professional journey.

At this time, you’re not quite eligible to move forward with your application. This may be because:

- You haven’t yet confirmed the school or training program you’ll be attending, or

- Your program start date is more than two months away.

What's next?

You’re welcome to reapply when:

- You’ve chosen your school or program, and

- Your start date is within the next two months.

If you have any questions or need help getting ready to reapply, please don’t hesitate to reach out. Our team is here to support you. Or you can reach us by email info@teamwindmill.org, or by phone at 1-855-423-2262.

It appears that you're not ready to complete your application.

How can we help you?

I'd like to talk to someone

I'm not interested

Sorry to see you go.

You are welcome to reapply at any time.

If you're comfortable sharing, let us know why you decided not to proceed with your application

Please specify an answer

Let's talk.

You can call us at 1-855-423-2262

Or leave your phone number:

Please enter a phone number

Thanks for your reply

Thanks!

We will contact you within one business day

Please let us know when you would like to be contacted:

Please select a date.

Let's get to know you better

As a national charity, Windmill Microlending has provided financial support to over 13,000 immigrant professionals like you!

Welcome to Windmill Microlending

Bienvenue au Moulin Microcrédits

Who referred you to Windmill, or how did you find out about us?

What is the name of the settlement agency?

If you clicked "None of the above", please specify

What learning institution referred you?

What is your current immigration status?

Valid immigration status documents will be required

Have you applied for a PR?

When are you expecting your PR?

Have you received a Windmill loan before?

Note: If you were recently declined for a Windmill loan, please wait 6 months before reapplying.

Are these statements correct?

Do you live in Canada?

Are these statements correct?

See results

Do you currently have an undischarged bankruptcy?

Note: Windmill will review your credit history only with your consent, provided by checking the box at the end of the application form.

What industry are you pursuing?

If your exact occupation isn't listed, please select the closest match

If your exact occupation isn't listed, please select the closest match

If your exact occupation isn't listed, please select the closest match

If your exact occupation isn't listed, please select the closest match

If your exact occupation isn't listed, please select the closest match

If your exact occupation isn't listed, please select the closest match

If your exact occupation isn't listed, please select the closest match

If your exact occupation isn't listed, please select the closest match

If your exact occupation isn't listed, please select the closest match

Why are you applying for this loan?

Note: Loans must be related to training or education

Rank the following factors that would influence your decision to choose a Windmill loan:

(Please select each option only once)

Most Important

2nd choice

3rd choice

Least important

Rank the following factors that would influence your decision to choose a Windmill loan:

(Please select each option only once)

Most Important

2nd choice

3rd choice

Least important

Why are you applying for this loan?

Note: Loans must be related to training or education

If you chose "Other", please specify

Note: Expenses must be related to training or education

See results

See results

Congratulations! You’re eligible for a Windmill loan.

We need a few more details to complete your application.

Start by using our loan calculator to figure out how much you would like to borrow and estimate your repayment rate.

Congratulations! You’re eligible for a Windmill loan.

We need a few more details to complete your application.

Start by using our loan calculator to figure out how much you would like to borrow and estimate your repayment rate.

Great job! We need a few more details to complete your application.

Learn how a Windmill loan works

Great, you're eligible to apply!

Let's calculate your loan

How much are you looking to borrow?

How long is your educational program?

When your education ends, how many years do you want to make loan payments?

Great, you're eligible to apply!

Let's calculate your loan

How much are you looking to borrow?

How long is your educational program?

When your education ends, how many years do you want to make loan payments?

Your loan application preview

Based on your selections as below:

$(@LoanAmount_num*0.062)/12

Would be your monthly interest-only payment while in education and for 3 additional months while you find a job.

$(@LoanAmount_num*0.062/12*(1.005167)^(@PaymentTerm_num))/(1.005167^(@PaymentTerm_num)-1)

Would be your monthly payment after completing your education

@LPterm+@PaymentTerm months

Would be your total repayment term.

There are no penalties for paying early.

The above loan terms may change when we review your application. However, the interest rate will not change.

Your loan application preview

Based on your selections as below:

$(@LoanAmount_num0.062/12(1.005167)^(@PaymentTerm_num))/(1.005167^(@PaymentTerm_num)-1)

$(@LoanAmountHealth_num0.0445/12(1.0037083)^(@PaymentTermHealth_num))/(1.0037083^(@PaymentTermHealth_num)-1)