Am I Eligible?

Age Requirement & Citizenship

Be a Canadian Citizen or Permanent Resident.

Be at least 19 years of age

Income: Minimum Income per pay $400.

Maximum amount to borrow 50% of taking ito consideration the Net Pay at the end of your last payday.

Employment Types

Be employed or benefit recipient (Child Tax, CPP, OAS, EI, BC Disability, Saskatchewan Disability)

Account Balance

Maintain a balance equal to the loan payment required on your next payday

Our Commitment to Compliance

1

Regulatory Adherence

We comply with all government regulations in our service areas

2

Responsible Lending

No refinances, rollovers, or extensions where prohibited

3

Transparent Policies

Clear terms on payments, fees, and implications of non-payment

4

BC /Ont/ Sask
$14 / 100 390% APR

Max 60 day loans

How It Works

Apply Online

Complete the online application quickly and easily

Application Review

We will assess your application promptly.

Send in your bank transactions for your last payday including the bank balance after each transaction.

Approval Confirmation

Receive a confirmation email if approved

Instant Funds

Your funds are emailed immediately via E-Transfer

Important - Bank Statement formats- Required Info

We require the bank balance after each transaction (Minimum Daily)on the bank statement see examples below

TD Bank

Balances are not available on cell phones- Use Fast Track or upload using a computer.

CIBC

Make sure the format includes the running balances (see below). Can also use our Fast Track option.

Scotiabank

Make sure the format includes the running balances (see below). Can also use our Fast Track option.

BMO

Make sure the format includes the running balances (see below). Can also use our Fast Track option.

RBC

Make sure the format includes the running balances or balance at the end of each day. (see below).

Pc Financial-No balances on statements

Because PC financial does not show running balances we require a screenshot of the current balance and the csv (comma separate values) file see below

Loan Details and Policies

Late Payments

$20 NSF fee, 30% annual interest on late payments

Non-Payment

Account sent to collections, potential credit impact.

Borrower's Rights

Right to cancel within one business day

FAQ

How long does the process take?

Customers typically receive primary approval within 5 minutes of applying, you can get cash immediately, as we arrange money electronically. There are 2 options: receive email and get money within 20 minutes or get money directly into your checking account, and then you can usually have access to your funds after 6 PM Eastern Standard Time the same day.

What is a Payday Loans or Cash Advance?

A payday advance provides you with an unsecured, short-term cash advance until your payday. Customers usually choose it to cover some unexpected expenses while avoiding costly bounced-check fees and late payment penalties. WithAppletreecash you can apply for a loan online and have your money electronically deposited to your checking account by Email Money Transfer [EMT] and Electronic Funds Transfer [EFT].

Are all loans approved?

Most loans are approved however if we lack enough information or in some cases due to credit risk you could be denied.

Are there any risks of borrowing?

Payday loans should be used as short term credit needs only. If you do not repay your loan your credit could be damaged.

What about Qualifying?

Qualifying for a loan is easier than qualifying for traditional credit. Your income acts as your collateral and You need to meet the following requirements: Currently have a job (or receive regular income) more then 3 month in same place Make at least $500 per pay. We loan against Child Tax , CPP , company pensions and Saskatchewan and BC disability, You must be 19 years of age or older Have checking account.

What about collateral to receive a loan?

No. Your job and your paycheck are your collateral.

How are fees established?

Our fees are in compliance with all applicable provincial and federal laws.

Is there any additional application fees?

No, there are no hidden fees, only the loan fee which is located in your electronic signature documents.

How often should I use this service?

Whenever an immediate or urgent need arises, we are here to help you.

How is the payday cash advance loan amount determined?

The law regulates and limits the maximum advance amount to between $100 and $1500. Within that range, you qualify for a payday advance amount based on your current income and your history with us. Your credit built while you take loan and pay out the loans on time.

How soon do I have to pay back the loan?

The loans are generally repaid back when you receive your next paycheck. Of course you may also pay back your loan at anytime without any prepayment penalties. Eatly repayment allows for a discount.

What if I can’t repay the payday loan in full on my due date?

We have different payment options available for our customers: Paying the loan in full on the maturity date listed on your loan agreement*. *Some additional terms and conditions may apply. Please ask your loan consultant about all of the repayment options.

If I am approved, how do I get my money?

We send over 90% of loans by Email immediately. The remainder are received by Electronic Funds Transfer.

How do I pay you back?

We debit your bank account on your next scheduled pay day for the full loan.

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appletreecash.com

We are No Longer Offering loans against ODSP or Ontario works. for new customers

Contact Us

Address

110 Cumberland Street, Suite 348, Toronto M5R3V5

Email

service@appletreecash.com

Phone

Toll Free: 1-888-674-1147

Hours

7 days a week. 6AM to 6PM (EST)

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