A licensed Canadian lender committed to fast, transparent, and responsible short-term lending.
AppleTree Cash is a fully licensed short-term lender operating in Ontario, Saskatchewan, Northwest Territories, Yukon, and Nunavut. We exist to provide fast, transparent financial relief when Canadians need it most.
Unlike traditional banks, we don't rely on credit scores. We look at your income and banking history — and we get you an answer in minutes, not days.
Our process is 100% online. No branches, no paperwork, no waiting. Apply, get approved, and receive your money — all from your phone or computer.
Our values guide everything we do
We hold payday lending licenses in every province and territory we operate in, complying fully with all applicable legislation.
We show you exactly what you'll pay before you borrow — no hidden fees, no surprises. Our fee is $14 per $100 borrowed, period.
No rollovers, refinancing, or extensions. Payday loans should be short-term solutions, not long-term debt traps.
We operate 7 days a week, 6AM to 6PM EST, because emergencies don't follow a 9-to-5 schedule.
AppleTree Cash holds active payday lending licenses in these regions
Licensed Payday Lender under the Payday Loans Act, 2008.
Licensed Payday Lender under The Payday Loans Act.
Licensed to provide short-term loans in the NWT.
Licensed Payday Lender in Yukon Territory.
Licensed to provide short-term loans in Nunavut.
Join thousands of Canadians who trust AppleTree Cash for fast, reliable short-term lending.
Cost of Borrowing
Loan repayment terms 62 days.
The maximum Annual Percentage Rate (APR) is 364%, which includes interest and all applicable fees. 62 day loans.
Maximum allowable cost per $100 Borrowed $14.00 | Cost per $100 Borrowed $14
Representative Example: Borrow $500. The total cost of borrowing is $70. Total repayment: $570. APR 364%. On a loan of 62 days, the APR is 82.42%. This includes interest and all applicable fees.
