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Welcome to Windmill Microlending


Welcome to Windmill Microlending's Cost-Plus Program with Prep Doctors

Windmill provides clients with financing 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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Welcome to Windmill Microlending's Cost-Plus Program with Prep Doctors


Are you considering an interest-free loan in accordance with your religious beliefs?

Check Your Eligibility


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The total cost for the Prep Doctors NDECC program with GST/HST, equals $26,932.5

We can offer you an installment plan to fund this course with Prep Doctors. Your course fees will be paid by Windmill to Prep Doctors directly. In return, you will repay Windmill over 18 months. 

There will be no interest charged on top of the course fees. Your monthly payment is simply the course list price divided by the term of 18 months.

Your monthly repayment would be 1,496.25 per month for 18 months. 

Payments are withdrawn automatically from your bank account on the 15th of every month. For reference, this is how the process works:


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

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The total cost for the Prep Doctors NDECC program with GST/HST, equals $29,491.09

We can offer you an installment plan to fund this course with Prep Doctors. Your course fees will be paid by Windmill to Prep Doctors directly. In return, you will repay Windmill over 18 months. 

There will be no interest charged on top of the course fees. Your monthly payment is simply the course list price divided by the term of 18 months.

Your monthly repayment would be  $1,638.39 per month for 18 months. 

Payments are withdrawn automatically from your bank account on the 15th of every month. For reference, this is how the process works:


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

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The total cost for the Prep Doctors NDECC program with GST/HST, equals $28,984.50 

We can offer you an installment plan to fund this course with Prep Doctors. Your course fees will be paid by Windmill to Prep Doctors directly. In return, you will repay Windmill over 18 months. 

There will be no interest charged on top of the course fees. Your monthly payment is simply the course list price divided by the term of 18 months.

Your monthly repayment would be $1,610.25  per month for 18 months. 

Payments are withdrawn automatically from your bank account on the 15th of every month. For reference, this is how the process works:


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

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The total cost for the Prep Doctors AFK and ACJ program with GST/HST, equals $9,870. 

We can offer you an installment plan to fund this course with Prep Doctors. Your course fees will be paid by Windmill to Prep Doctors directly. In return, you will repay Windmill over 12 months. 

There will be no interest charged on top of the course fees. Your monthly payment is simply the course list price divided by the term of 12 months.

Your monthly repayment would be  $822.50 per month for 12 months. 

Payments are withdrawn automatically from your bank account on the 15th of every month. For reference, this is how the process works:


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

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The total cost for the Prep Doctors AFK and ACJ program with GST/HST, equals $10,807.65 

We can offer you an installment plan to fund this course with Prep Doctors. Your course fees will be paid by Windmill to Prep Doctors directly. In return, you will repay Windmill over 12 months. 

There will be no interest charged on top of the course fees. Your monthly payment is simply the course list price divided by the term of 12 months.

Your monthly repayment would be  $900.64 per month for 12 months. 

Payments are withdrawn automatically from your bank account on the 15th of every month. For reference, this is how the process works:


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

Please specify an answer
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Please specify an answer

We're here to help

The total cost for the Prep Doctors AFK and ACJ program with GST/HST, equals $10,622

We can offer you an installment plan to fund this course with Prep Doctors. Your course fees will be paid by Windmill to Prep Doctors directly. In return, you will repay Windmill over 12 months. 

There will be no interest charged on top of the course fees. Your monthly payment is simply the course list price divided by the term of 12 months.

Your monthly repayment would be  $885.17 per month for 12 months. 

Payments are withdrawn automatically from your bank account on the 15th of every month. For reference, this is how the process works:


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

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Congratulations! You're Eligible!



Learn how a Windmill loan works

Custom
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60 months
Your maximum loan term can be up to 60 months
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Interest payments
You only pay interest payments for the length of your educational program (maximum of 24 months)
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3 month grace period
Start principal and interest payments after 3 months of completing your educational program
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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

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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 @LoanAmount.

Your interest rate will be 6.7% fixed for the term of the loan. 

Your monthly interest payment would be $@LoanAmount_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 $(@LoanAmount_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.

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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     

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


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