Worried your credit score will stop you from getting approved? At AppleTree Cash, we don't perform hard credit checks. Approval is based on your income and banking history — not your credit score.
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.
We verify your income using your 90-day bank statement. Employment, CPP, EI, ODSP and other benefits all count.
We look at your account activity to understand your financial situation — not a credit bureau score.
We assess whether you can comfortably repay based on your income level and existing financial commitments.
We never submit a hard inquiry to Equifax or TransUnion. Your credit score is not affected by applying.
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.