Receiving Ontario Works (OW) assistance? AppleTree Cash reviews all income sources including OW benefits. Apply online in 5 minutes — fast decision, no credit check, E-Transfer funding.
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.
Ontario Works as a sole income source may not always qualify. A combination of OW plus employment or other benefits improves eligibility.
OW payments arrive on the last business day of each month. Repayment is scheduled around this date.
We never perform a hard credit check. Your credit score does not affect your eligibility.
We assess ability to repay carefully for OW recipients to ensure the loan won't create additional hardship.
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, repay $570 total.
Loans up to 62 days. No rollovers or extensions permitted by law.
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.