Using a Personal Loan for Immigration Fees
Visa applications, permanent residency, and citizenship all come with government fees, and often legal or consultant costs on top. A personal loan can help you meet application deadlines without delaying your immigration timeline. It's one of several reasons Canadians borrow that we cover in detail.
What It Typically Covers
- Visa and permit application fees
- Permanent residency and citizenship fees
- Immigration consultant or lawyer fees
- Biometrics, medical exams, and document costs
Eligibility Requirements
- 18 years or older (19 in BC, NB, NL, NS, NT, NU, and YT)
- Canadian citizen or permanent resident
- Valid Social Insurance Number (SIN)
- Active bank account in your name
- A regular source of income
How Much Do You Typically Need?
For immigration fees, borrowers often look at around $1,500 — though the right amount depends on your specific situation.
Pros
- Fast approval — often within minutes
- Soft credit check only, so checking rates doesn't hurt your score
- Repayment term sized to the amount, keeping payments manageable
- Available to a wide range of credit profiles
Things to Consider
- Confirm current government fee amounts directly on the IRCC website, since these change periodically.
- Be cautious of unlicensed immigration consultants — verify credentials before paying for advice.
- Some fees are refundable if an application is withdrawn before processing — check the specific rules for your application type.
How to Apply for a Immigration Fees Loan
Step 1
Apply in 2 minutes
Tell us you're covering immigration fees and a bit about your situation. No paperwork.
Step 2
Compare offers
See real offers from vetted lenders, matched to your credit profile.
Step 3
Get funded
Accept an offer and funds typically land within 24 hours.