Loans for Immigrants: No Canadian Credit History Required

Education & training financing for newcomers building their careers in Canada. GrowAsia Capital matches you with a trusted lender partner. Two minutes to see your options, no obligation.

We're a matching service, not a lender
Your information stays private
A smiling group of newcomers holding a Canadian flag with the Toronto skyline behind them
How it works

Three steps to your options

No paperwork marathon. Just tell us where you stand, and we'll do the matching.

1

Tell us your situation

A short, two-minute form — your status, time in Canada, and the education or training you're financing.

2

Get matched

We check your profile against our lender network's requirements and surface your best-fit option.

3

Apply with confidence

Review your match and apply directly with the lender — on your terms, at your pace.

About us

Why GrowAsia Capital exists

Moving to Canada often means starting your financial history from zero — regardless of the credit, career, or savings you built elsewhere. Traditional lenders aren't built to see past that gap. GrowAsia Capital was built specifically to close it: we connect newcomers with vetted lenders who evaluate you on your situation today, not on a credit file that hasn't had time to form yet.

Newcomer-first, by designEvery part of this site is built around the gap traditional lenders leave open.
Free for applicantsChecking your options with us costs nothing and never affects your credit score.
Based in Canada, built for CanadaGrowAsia Capital Ltd. — reach us any time at hello@growasia.ca
Featured partner

Windmill Microlending

A national charity, founded in 2005, that offers low-interest loans of up to $15,000 to help skilled immigrants and refugees cover education, licensing, and training costs. Rates start around 4.45%, and every loan comes with free career coaching and mentorship.

15,000+newcomers funded
$165M+invested in new Canadians

Our Trusted Lender Partner

GrowAsia Capital connects newcomers with education and training financing through our trusted lending partner. Windmill Microlending is a registered charity built specifically for newcomers who don't yet have a Canadian credit history or collateral.

Our goal is to make it easier for newcomers to access financing that supports education, skills development, and career advancement in Canada.

Not a lender, ever

We match you with a vetted partner. Loan decisions are made by the lender, not by us.

No sensitive data collected

We never ask for your SIN or banking credentials during matching — only what's needed to find a fit.

Built for newcomers

No Canadian credit history? That's exactly who Windmill Microlending is built for.

Check your options

Let's find your match

Two short steps. No commitment, and it won't affect your credit.

Step 1 of 2

A little about your situation

Just the basics — takes about 30 seconds.

Almost there

This helps us confirm your fit with Windmill Microlending.

You're on the list

We're reviewing your match now — check your email shortly.

By continuing, you agree we may share these details with our lender partner solely to find your match. We never sell your data.

From people who've been there

Newcomers, in their own words

"I'd only been in Canada four months and assumed no one would fund my certification course. GrowAsia connected me with Windmill in a day."

P
Priya S.
Moved from India, now in Ontario

"The form took me two minutes on my phone. I expected way more paperwork for a training loan."

D
Daniel O.
Moved from Nigeria, now in Alberta

"It was reassuring to see clearly that GrowAsia wasn't the lender — just helping me find the right one."

M
Mei L.
Moved from Taiwan, now in BC
Blog

Guides for newcomers

Plain-language articles on building credit, paying for education, and settling in Canada.

Questions

Good to know

Is GrowAsia Capital a lender?
No. We're a free matching service that connects you with our lender partner, Windmill Microlending. All loan decisions are made by them, not by us.
What kinds of loans can I get matched with right now?
Today we focus on education and training loans — tuition, certifications, trades training, and language programs. We're vetting additional lenders to expand into other loan types.
Do I need Canadian credit history?
No. Windmill Microlending specializes in working with newcomers who don't have a Canadian credit history yet.
Is my information safe?
Yes. We never ask for your SIN or banking passwords during matching, and we only share your details with our lender partner to find your match.
Does checking my options affect my credit score?
No. Checking your match with us is a soft, no-obligation step. Any credit check happens later, only if you choose to apply with the lender.