We’ve heard from many valued clients that the cost of the immigration process can be a barrier in their journey. That’s why we proudly offer payment plans through our partners at BYDcash. They’re an immigration-focused finance company designed to make immigration accessible and affordable. Payment plans that cover both the legal costs and government filing fees help remove financial obstacles so families can move forward with peace of mind.
How a Payment Plan Can Help
Whether you’re living in the U.S. or abroad, a payment plan allows you to:
- Start your case right away by filing as soon as it’s ready
- Avoid large upfront deposits that can strain your budget
- Prevent filing delays due to unpaid legal or filing fees
- Begin your case without the need to save up before you start
- Preserve savings for emergencies, travel, or relocation costs
- Develop good payment habits and establish a positive payment history to build credit in the U.S.
Simple Application Process
Applying for a payment plan is easy, with no Social Security Number (SSN) or credit score required. We even pay the $25 application fee for you.
Here’s how to apply:
- Let us know you’re interested in a payment plan
- Sign your application form
- A BYDcash representative will contact you to guide you through the next steps
You’ll choose a repayment term between 6 and 60 months, based on what works best for your budget.
Transparent, Fixed Costs
Here’s how the payment plan works:
- The fixed monthly interest rate remains at 3% on the outstanding principal balance
- The average annual percentage rate (APR) ranges from 22–25%, often lower than credit cards—this is especially beneficial if you have little to no established credit history
- Unlike credit cards with variable rates, the interest does not compound or increase over time from the original amount
- Total financing cost is set up front, so there are no surprises later
Because legal fees are paid in full up front, your case can move forward without delays.
Flexible Payment Planning
Using the BYDcash calculator, you can simply enter the amount of your plan, and:
- Choose a longer term for lower monthly payments, or
- Choose a shorter term to reduce the overall cost
To give you the best of both options, you can start with a longer term so you can get a lower monthly payment and establish a history of on-time payments. Then, you can pay off the balance faster after six months for a lower overall cost—without penalties. The choice is yours, with built-in flexibility for your needs today and in the future.
What to Expect After You Apply
Applications are typically approved within 24–48 hours.
To accept your plan, you’ll need to:
- Sign and return the payment plan agreement and the schedule payment form
- Pay the $150 Origination Fee
The process usually takes 5–7 business days, depending on how quickly documents are completed.
Avoiding Late Payments
Payments include a grace period, but may incur a $35 late fee if you don’t prevent a late payment. To help stay on track, you can:
- Choose your payment date
- Schedule your payments monthly, biweekly, or weekly to better fit your budget
- Contact BYDcash at least 10 days before the payment will be late if you need an adjustment
Key Takeaways
- The total cost is known before you sign and will not increase over time
- Fixed payments remain the same with no hidden fees
- Flexible payment schedules that fit your budget
- Choose the day(s) of the month and the frequency of your payments (monthly, semi-monthly, or weekly)
- Begin your case without delay because fees are paid upfront
With fixed payments and flexible terms, you can begin and complete your immigration journey without unnecessary financial stress. Call our office at 980-443-5154 or e-mail us at contact@vialegalimmigration.org to learn more and see if a payment plan is right for you.
We know that each immigration case is unique. Please don’t hesitate to contact us with any questions you may have. We’re here to support your immigration needs.