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Welcome to the Windmill Microlending eligibility quiz


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Let’s see if you’re eligible for the 

Prep Doctors Cost+ ZERO loan

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

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

Interest-free loans related to religious beliefs are funded by Windmill’s 0% bonds and specific donations. Interest-free loans unrelated to religious beliefs come from a wider funding pool.

Do you live in Canada?

Are these statements correct?

  • You are an internationally trained professional with at least one year work experience, or post secondary studies.

  • You are not born in Canada

  • You are not a tempoary foreign worker

What is your immigration status?

Valid immigration status documents will be required

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 is your Prep Doctors Student ID?

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What email address did you use to sign up for Prep Doctors?

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We're here to help

Introducing the Cost+ ZERO loan with Prep Docs

Use this loan to fund your NDECC Exam (18 Month Course).

This program includes:

• Clinical Skills

• Clinical Skills Practice

• Situational Judgement

• Situational Judgement Practice

• Simulation Exam Pack

• Additional Mock Packs

Tuition: $26,500 + applicable sales tax (varies by province)

For Alberta students (5% GST), the total cost is $27,825.

If your loan application is approved, here are the easy next steps:

1. Pay $2000 to Prep Docs and send the receipt to Windmill.

2. Once Windmill receives your receipt, we will release the remaining funds directly to Prep Docs.

3. You then make monthly repayment of $1,434.72 to Windmill for 18 months.

4. Payments will be automatically withdrawn from your bank account on the 15th of each month.

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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We're here to help

Introducing the Cost+ ZERO loan with Prep Docs

Use this loan to fund your NDECC Course (18 Month Course).

This program includes:

• Clinical Skills

• Clinical Skills Practice

• Situational Judgement

• Situational Judgement Practice

• Simulation Exam Pack

• Additional Mock Packs

Tuition: $26,500 + applicable sales tax (varies by province)

For British Columbia students (5% GST), the total cost is $27,825

If your loan application is approved, here are the easy next steps:

1. Pay $2000 to Prep Docs and send the receipt to Windmill.

2. Once Windmill receives your receipt, we will release the remaining funds directly to Prep Docs.

3. You then make monthly repayment of $1,434.72 to Windmill for 18 months.

4. Payments will be automatically withdrawn from your bank account on the 15th of each month.

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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Your loan application preview

Based on your selections as below:

  • Amount borrowed: 26,932.5

  • Time in education: 12 months

  • Remaining term: 18 months

$1,496.25

Would be your monthly payment for 18 months

@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.

We're here to help

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.

Please specify an answer
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We're here to help

Introducing the Cost+ ZERO loan with Prep Docs

Use this loan to fund your NDECC Exam (18 Month Course).

This program includes:

• Clinical Skills

• Clinical Skills Practice

• Situational Judgement

• Situational Judgement Practice

• Simulation Exam Pack

• Additional Mock Packs

Tuition: $26,500 + applicable sales tax (varies by province)

For Quebec students (14.975% GST +QST), the total cost is $30,468.37.

If your loan application is approved, here are the easy next steps:

1. Pay $2000 to Prep Docs and send the receipt to Windmill.

2. Once Windmill receives your receipt, we will release the remaining funds directly to Prep Docs.

3. You then make monthly repayment of $1,581.56 to Windmill for 18 months.

4. Payments will be automatically withdrawn from your bank account on the 15th of each month.

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
Please specify an answer
Please specify an answer

We're here to help 

Introducing the Cost+ ZERO loan with Prep Docs

Use this loan to fund your NDECC Exam (18 Month Course).

This program includes:

• Clinical Skills

• Clinical Skills Practice

• Situational Judgement

• Situational Judgement Practice

• Simulation Exam Pack

• Additional Mock Packs

Tuition: $26,500 + applicable sales tax (varies by province)

For Ontario students (13% HST), the total cost is $29,945.

If your loan application is approved, here are the easy next steps:

1. Pay $2000 to Prep Docs and send the receipt to Windmill.

2. Once Windmill receives your receipt, we will release the remaining funds directly to Prep Docs.

3. You then make monthly repayment of $1,552.50 to Windmill for 18 months.

4. Payments will be automatically withdrawn from your bank account on the 15th of each month.

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
Please specify an answer
Please specify an answer

We're here to help

Introducing the Cost+ ZERO loan with Prep Docs

Use this loan to fund your AFK and ADAT Course (9 Month theoretical Course).

This program includes:

• AFK Online Course 

• ADAT Course

Tuition: $11,000 + applicable sales tax (varies by province)

For Alberta students (5% GST), the total cost is $11,550.

If your loan application is approved, here are the easy next steps:

1. Pay $500 to Prep Docs and send the receipt to Windmill.

2. Once Windmill receives your receipt, we will release the remaining funds directly to Prep Docs.

3. You then make monthly repayment of $920.83 to Windmill for 12 months.

4. Payments will be automatically withdrawn from your bank account on the 15th of each month.

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
Please specify an answer
Please specify an answer

We're here to help

Introducing the Cost+ ZERO loan with Prep Docs

Use this loan to fund your AFK and ADAT Course (9 Month theoretical Course).

This program includes:

• AFK Online Course 

• ADAT Course

Tuition: $11,000 + applicable sales tax (varies by province)

For British Columbia students (5% GST), the total cost is $11,550.

If your loan application is approved, here are the easy next steps:

1. Pay $500 to Prep Docs and send the receipt to Windmill.

2. Once Windmill receives your receipt, we will release the remaining funds directly to Prep Docs.

3. You then make monthly repayment of $920.83 to Windmill for 12 months.

4. Payments will be automatically withdrawn from your bank account on the 15th of each month.

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
Please specify an answer
Please specify an answer

We're here to help

Introducing the Cost+ ZERO loan with Prep Docs

Use this loan to fund your AFK and ADAT Course (9 Month theoretical Course).

This program includes:

• AFK Online Course 

• ADAT Course

Tuition: $11,000 + applicable sales tax (varies by province)

For Quebec students (14.975% GST +QST), the total cost is $12,647.25.

If your loan application is approved, here are the easy next steps:

1. Pay $500 to Prep Docs and send the receipt to Windmill.

2. Once Windmill receives your receipt, we will release the remaining funds directly to Prep Docs.

3. You then make monthly repayment of $1012.25 to Windmill for 12 months.

4. Payments will be automatically withdrawn from your bank account on the 15th of each month.

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
Please specify an answer
Please specify an answer

We're here to help

Introducing the Cost+ ZERO loan with Prep Docs

Use this loan to fund your AFK and ADAT Course (9 Month theoretical Course).

This program includes:

• AFK Online Course 

• ADAT Course

Tuition: $11,000 + applicable sales tax (varies by province)

For Ontario students (13% HST), the total cost is $12,430.

If your loan application is approved, here are the easy next steps:

1. Pay $500 to Prep Docs and send the receipt to Windmill.

2. Once Windmill receives your receipt, we will release the remaining funds directly to Prep Docs.

3. You then make monthly repayment of $994.17 to Windmill for 12 months.

4. Payments will be automatically withdrawn from your bank account on the 15th of each month.

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
Please specify an answer
Please specify an answer

Congratulations! You're Eligible!



Learn how a Windmill loan works

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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 6.45% fixed for the term of the loan. 

Your monthly interest payment would be $@LoanAmount_num*0.0645/12.

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*0.0645/12*(1.005375)^(@PaymentTerm_num))/(1.005375^(@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.

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, 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.


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.

Sorry to see you go.


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


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Contact me in this many days:

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We're here to help

Introducing the Cost+ ZERO loan

Use this loan to fund your AFK Mastery Program (9-Month Course)

This program:

• is delivered 100% online

• is accessible to students across all Canadian provinces

Tuition: $10,000 + applicable sales tax (varies by province)

For your province (14% HST), the total cost is $11,400.

If your loan application is approved, here are the easy next steps:

1. Pay 25% ($2850) to Scholars Dental and send the receipt to Windmill.

2. Once Windmill receives your receipt, we will release the remaining funds directly to Scholars Dental.

3. You then make monthly repayment of $950 to Windmill for 9 months.

4. Payments will be automatically withdrawn from your bank account on the 15th of each month.



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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Thanks!

We will call you within one business day

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