Fast, licensed payday loans for Ontario residents. Borrow up to $1,500 and receive funds by Interac E-Transfer — often within 20 minutes of approval. Apply 100% online, any time.
AppleTree Cash is a fully licensed payday lender operating in Ontario under the Payday Loans Act, 2008, regulated by the Ministry of Public and Business Service Delivery. We provide short-term payday loans to Ontario residents who need fast access to emergency funds between paydays.
Whether you're in Toronto, Ottawa, Hamilton, London, or a smaller Ontario community, you can apply online in minutes and receive your funds via same-day Interac E-Transfer. No branch visit, no fax, no waiting in line.
Our fee is $14 per $100 borrowed — the maximum allowed under Ontario law — and we disclose all costs upfront before you sign. No hidden fees, no prepayment penalties.
Ontario residents can borrow between $100 and $1,500, up to a maximum of 50% of your net pay from your last payday. Loan terms range from 7 to 62 days, aligned with your next pay date.
Complete our secure application in about 5 minutes from any device. You'll need your personal info, income details, and a 90-day bank statement showing running balances.
Most applications are reviewed during business hours with a decision in 5 minutes. We assess income and banking history — not your credit score.
Once you e-sign your loan agreement, funds are sent via Interac E-Transfer. Most Ontario customers receive their money within 20 minutes.
Repayment is automatically collected from your bank account on your next payday via pre-authorized debit.
To qualify for a payday loan in Ontario through AppleTree Cash:
Upload a 90-day bank statement showing the running balance after each transaction. We do not perform traditional credit checks.
As a 100% online lender, AppleTree Cash serves all of Ontario — from the GTA to remote northern communities.
AppleTree Cash is licensed under Ontario's Payday Loans Act, 2008. We comply with all provincial regulations including the two-business-day cancellation right and mandatory cost disclosures.
Ontario law caps payday loan fees at $14 per $100 borrowed. That's exactly what we charge. For a $500 loan: $70 fee, $570 total repayment. Full cost disclosed before you sign.
After approval and e-signing your agreement, we initiate an Interac E-Transfer immediately. Most Ontario customers receive their money within 20 minutes, day or night.
Poor credit or no credit history? That's okay. We base approval on your income stability and 90-day banking history. ODSP, CPP, EI, Child Tax, and employment income all accepted.
Apply from anywhere in Ontario — downtown Toronto or a remote northern community. Any device, any time. No fax, no branch, no paperwork to mail.
Welfare/social assistance as a primary income source does not qualify. Minimum $400 per pay period required.
Maximum allowable cost: $14 per $100 borrowed under Ontario's Payday Loans Act.
APR for a typical 14-day loan: 364%. Loan terms: 7 to 62 days. Payday loans are short-term products not intended for long-term borrowing.
Yes. Fully licensed under Ontario's Payday Loans Act, 2008, regulated by the Ministry of Public and Business Service Delivery.
Between $100 and $1,500, up to 50% of your net pay from your last payday.
Most customers receive funds via Interac E-Transfer within 20 minutes of signing their loan agreement during business hours.
Yes. We do not use traditional credit bureau checks. Approval is based on income and 90-day banking history.
Yes. ODSP is an accepted income type. Ontario Works (welfare) as a primary income source does not qualify.
Yes. Under Ontario law you have the right to cancel within two business days of signing, with no penalty.
No. Ontario law prohibits more than one outstanding payday loan at a time. You must repay your current loan before applying for a new one.
Complete our secure online application in 5 minutes. Get a fast decision and receive your funds by E-Transfer today.
Apply Now →Lending Disclosure: AppleTree Cash is a licensed payday lender in Ontario under the Payday Loans Act, 2008. Maximum cost of borrowing: $14 per $100. Representative example: Borrow $500 for 14 days. Cost: $70. Total repayment: $570. APR: 364%. On a loan of 62 days, the APR is 82.42%. Loan terms: 7 to 62 days. Maximum loan: $1,500 or 50% of net pay, whichever is less. Borrowing from a payday lender to cover regular living expenses is not recommended. If you are experiencing financial difficulty, contact a non-profit credit counsellor or FSRA at ontario.ca/fsra.
