Immigration Loans Program (ILP)
This section contains policy, procedures and guidance used by IRCC staff. It is posted on the department’s website as a courtesy to stakeholders.
The Immigration Loans Program (ILP) provides eligible immigrants, who are mainly refugees selected for resettlement to Canada, with access to funding that would otherwise not be available to them. Loans are used to cover a number of expenses, including travel to Canada and other costs associated with resettlement, specifically
- defraying the cost of transportation to Canada (transportation loan)
- assisting with establishment in Canada (assistance loan)
- defraying the cost of the right of permanent residence fee (RPRF) loan
Note: Immigration loans are no longer provided to defray the cost of immigration medical examinations (IMEs). These expenses are now covered under the Interim Federal Health Program (IFHP) for eligible applicants.
General procedures for all loans
- Eligibility for an immigration loan
- Determining the need for and assessing the ability to repay an immigration loan
- Signing and approval authority for an immigration loan
- Counselling immigration loan applicants
- Payment and collection of immigration loans
Types of loans
Exceptional circumstances
- Resettlement Assistance Program (RAP) contributions
- Transportation loan procedures for exceptional circumstances