Receiving Ontario Disability Support Program benefits? AppleTree Cash accepts ODSP as a valid income source. Apply online in 5 minutes — no credit check, no branch visit.
Complete our 5-minute application at any time. Upload your 90-day bank statement and we'll do the rest.
Most applicants receive a decision within 5 minutes. We assess your income and banking history — not your credit score.
Once you sign your loan agreement, funds are sent via Interac E-Transfer within 20 minutes — 7 days a week.
ODSP is treated as verified, stable income. You don't need employment to qualify.
Repayment is scheduled around your ODSP payment date — usually the last business day of the month.
Previous credit issues, debt collections, or bankruptcy do not automatically disqualify you.
Your application and personal information are fully encrypted and never shared or sold.
Must be 18+ and a Canadian citizen or permanent resident living in Ontario or Saskatchewan.
Employment, CPP, OAS, EI, ODSP, child tax, or other government benefits of at least $400/pay period.
A Canadian chequing account that's been active for at least 90 days with direct deposit history.
A valid email address and Canadian phone number to receive your approval and loan agreement.
We do not perform hard credit checks. Bad credit, no credit, or previous debt is not a barrier.
Maintain at least $200 in your account on your next payday to ensure smooth repayment.
Regulated maximum cost in Ontario and Saskatchewan. No hidden fees, ever.
Required disclosure. Representative example: borrow $500 for 14 days, repay $570 total.
Minimum 14 days, maximum 62 days. No rollovers or extensions permitted by law.