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Welcome to Windmill Microlending

Windmill provides affordable low-interest loans to help skilled immigrants and refugees pay for Canadian accreditation, training, and career development. 

Find out if you're eligible, let's get started.

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Check Your Eligibility

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Congratulations! You're Eligible!

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

Loan Repayment Structure

The timeline below indicates a reference to what each term means


How much are you looking to borrow? 

(Click on the green dot below and slide it to change the value)

Loan Amount:

How long is your educational program?

(Click on the green dot below and slide it to change the number of months)

Educational Program Term

After you complete your educational program, how long do you want your principal and interest payments to be?

(Click on the green dot below and slide it to change the number of months)

Repayment Term

Great Job!

Based on your selection, you would be borrowing @loanamt.

Your interest rate will be 5.95% fixed for the term of the loan. 

Your monthly interest payment would be $@loanamt_num*0.0595/12.

You would pay this for @LPterm_num+3 months in total: @LPterm while you do your training, and 3 months extra while you find a job.

After that, your payments would be $(@loanamt_num*0.0595/12*(1.00495833)^(@PaymentTerm_num))/(1.00495833^(@PaymentTerm_num)-1) per month for @PaymentTerm.

Payments are withdrawn automatically from your bank account on the 15th of every month.

Note that these terms may change when we review your application. However, the interest rate will not change.

Do you want to get started on applying for a loan? It will take approximately 10 minutes and there is no obligation.

Windmill Loan Application

Please note that your address should be the same as on your address verification documents (Driver's license, Void cheque, etc.) Your address must be in to Continue.

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Postal Code
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(555) 555-5555
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How many people do you have in your household?

Educational Program Information

What educational program are you pursuing?
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What is your occupation goal?
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Please select a date.
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Your Employment Situation

Current Job Title
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Current Employer
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Current Monthly Employment Income
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Your Immigration Information

This information is required by our government funders

If immigration class is other, please specify
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Arrival date in Canada
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Date of birth
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Submit My Application

Windmill may contact your learning institution, licensing body or regulator to verify your enrollment.

Submitting an application does not guarantee that you will get a loan.    

Your Application Has Been Received!

You will receive a confirmation email outlining the next steps for your application

What happens next:

We will review your application and do a credit check within 1 business day.
You will need to provide additional documents to complete your application. Depending on your answers, you may be asked to set up a call with a success coach.
Loans can be approved and money deposited in your account in as little as 5 business days. If a coaching session is required this may take longer as you must schedule and attend the call.

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, Provincial Nominee, Canadian Citizen, Temporary Foreign Worker with an open work permit (living in Quebec).

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.

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

For other eligibility-related inquiries, please contact us     

It seems like you're not ready to start an application.

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If you change your mind, we'll be here to help you prosper


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