AppleTreeCash
If you receive Child Tax Benefits and need short-term financial support, a child tax payday loan can bridge the gap. Access up to $1,500 in as little as 20 minutes via same-day E-Transfer.
Apply NowQualifying is straightforward. Our online application takes only minutes to complete.
Resident of Ontario or Saskatchewan
18 years of age or older
Receive Child Tax Benefit (CCB) or other qualifying government income
At least $400 per pay period including benefit payments
Active Canadian bank account, minimum $200 balance
Account open for at least 90 days
If your Canada Child Benefit doesn't quite stretch to the end of the month, a short-term loan can help cover the gap until your next deposit. Here's the process from start to finish.
Fill out our secure online application. It takes about 5 minutes and can be done from any device.
We check your income (including CCB or other qualifying benefits) and your banking history, not a hard credit inquiry.
Most applicants get an approval decision in around 5 minutes during business hours.
Approved funds are sent by Interac e-Transfer, typically arriving within about 20 minutes.
A child tax benefit loan is meant to bridge a short-term gap, not to be an ongoing source of income. A few things to keep in mind:
Loan terms are structured so repayment can be timed around your CCB deposit or next pay period.
Since payday loans carry a higher cost of borrowing than a line of credit or credit card, it's best used for a genuine short-term shortfall.
Your exact repayment amount is disclosed before you sign — there are no hidden or surprise fees.
If you find yourself relying on short-term loans regularly, our responsible lending page outlines other resources worth considering.
Yes — the Canada Child Benefit (or another qualifying government income source) counts toward the minimum income requirement, alongside any other income you report.
No. We don't perform a hard credit bureau inquiry that would impact your credit score. We focus on income and banking history instead.
Up to $1,500, depending on your income and our review of your application.
Most approved applicants receive funds by Interac e-Transfer within about 20 minutes of approval.