Empowering Your Path to Success in Canada

PathFund offers career development loans ranging from $500 to $15,000. The loan amount you qualify for depends on your credit profile, income, and the program costs you need to finance.

Interest rates vary based on your credit profile and loan amount, typically ranging from 8.9% to 17.9% APR. We provide transparent pricing with no hidden fees. You'll see your personalized rate during the application process.

Most applications are reviewed within 24-48 hours. Once approved, funds can be disbursed directly to your training institution or to your account within 3-5 business days.

Loans can be used for credential recognition assessments, licensing exam fees, professional training programs, bridging programs, certification courses, and other career development expenses that help you succeed in your Canadian career.

Yes, we conduct a credit check as part of our application process. However, we consider more than just your credit score. We look at your overall financial profile, employment status, and career goals to make fair lending decisions.

We work with applicants with various credit profiles. If you have limited or no Canadian credit history, we may consider alternative factors such as employment, income stability, and your credential recognition plan. Some applications may require a co-signer.

To qualify, you must be 18 years or older, have valid Canadian immigration status (Permanent Resident, Canadian Citizen, or valid work/study permit), be enrolled or planning to enroll in an eligible career development program, and have a source of income or employment.

We accept applications from Canadian Citizens, Permanent Residents, Protected Persons, Convention Refugees, Provincial Nominees, and individuals with valid work or study permits.

While employment helps strengthen your application, it's not always required. We consider various sources of income including part-time work, self-employment, spousal income, and savings. We evaluate each application individually.

Yes! International students with valid study permits can apply for loans to support their career development, professional certifications, or credential recognition processes in Canada.

Repayment terms are flexible based on your program timeline. Typically, you can defer payments while actively enrolled in your program, with repayment beginning 1-3 months after program completion. Specific terms will be outlined in your loan agreement.

No! You can pay off your loan early without any prepayment penalties or fees. We encourage borrowers to pay ahead if they're able to, as this can save you money on interest.

We understand that financial situations can change. If you're having difficulty making payments, contact us immediately. We offer flexible solutions including payment plan adjustments, temporary deferments, or hardship programs to help you stay on track.

The online application typically takes 15-20 minutes to complete. You'll need basic personal information, employment details, and information about your training program. Additional document verification may be required after initial submission.

Required documents typically include: valid government-issued ID (passport, driver's license, or PR card), proof of income (pay stubs, T4, or Notice of Assessment), bank statements (last 3 months), immigration documents, and program enrollment confirmation or acceptance letter from your training institution.