Frequently Asked Questions

Most applications are reviewed and approved within 5 minutes during business hours. You'll receive notification via email and/or SMS once a decision is made.

You'll need a government-issued photo ID, 3 months (90 days) of bank statements showing running balances after each transaction, proof of income (pay stubs or employment letter), and a valid email address and phone number. Along with the statements, send your most recent activity (everything from the end of your last statement up to today). A CSV download from online banking is best; PDF statements or screenshots with no gaps also work. Your bank statements must show no NSF (non-sufficient funds) on your payday or stopped payments in the last 90 days.

We do not perform traditional credit checks. Our approval is based primarily on your income, employment stability, and banking history over the past 90 days. Full breakdown of how bad-credit approval works →

We need your last 3 months of bank statements plus your most recent activity. Recent activity means everything from the end of your last statement up to today. Getting it right the first time is the fastest way to get approved.

There are three ways:

1. CSV download (best): one spreadsheet file of your account activity from online banking. Some banks let you pick 90 or 120 days, which covers everything in one file. Best if you have a computer.
2. PDF statements + recent activity: your last 3 monthly statements as PDFs, plus screenshots or a CSV of everything since your last statement. Works on a phone or computer.
3. Screenshots: screenshots from your banking app showing dates, every transaction and your balance, with no gaps. Best for recent activity on a phone.

Yes. Screenshots from your banking app work, especially for recent activity on a phone. They must show the date, description, amount and balance for every transaction, with no gaps in the dates and nothing cropped or edited.

Statements (TD app):

1. Tap My Accounts and choose your chequing account.
2. Tap the Details tab, then All Statements.
3. Pick each of the last 3 months and save or share the PDF.

Recent activity as CSV (EasyWeb on a computer):

1. Log in to EasyWeb, open Accounts and select your chequing account.
2. On Account Activity, choose the 90 or 120 day period.
3. At the bottom, choose Spreadsheet (.CSV) next to Download, then click Download.

A 90 or 120 day CSV usually covers everything we need in one file.

Statements:

• App: tap your chequing account, then eStatements. Save each of the last 3 months as a PDF.
• Online Banking: select your chequing account, then eStatements, and download each of the last 3 months.

Recent activity as CSV (Online Banking on a computer):

1. Open your chequing account.
2. Click Download transactions.
3. Choose Spreadsheet (CSV), set the dates from 3 months ago to today, and download.

A CSV covering the last 3 months to today usually covers everything we need in one file. On the app, send screenshots of everything since your last statement instead.

Statements:

• App: tap More, then under Services tap Statements, then choose your account.
• Online Banking: from Accounts Summary, select Statements/Documents (top right) and use the dropdown to pick each month.

Recent activity as CSV (Online Banking on a computer): open your account, use the Download option above your transactions, and choose CSV.

Statements:

• App: on the Home screen tap your bank account, then View all statements.
• Online: go to Documents and choose the statements you need.

Recent activity as CSV (Scotia OnLine on a computer): open your account, use Download Account Activity, and choose CSV.

Statements: sign in to BMO Online Banking or the BMO app, open your chequing account and go to eStatements or Statements & Documents. Download each of the last 3 months as a PDF.

Recent activity: in Online Banking on a computer, open your account and use Download above your transactions. If that isn't available, send screenshots of everything since your last statement.

Statements:

• App: tap More, then Profile & Settings, then Documents. Pick the month and account.
• Online: select your account, then the Statements button.

Recent activity as CSV: this only works on tangerine.ca, not the app. Go to Transactions, then Download Transactions, and choose CSV.

Statements (app or online):

1. Sign in and tap Accounts & Cards.
2. Tap Accounts and select your PC Money Account.
3. Tap E-statements and save each of the last 3 months.

Recent activity: send screenshots of everything since your last statement.

Look for Statements, eStatements or Documents in your app or online banking. For recent activity, look for a Download or Export option on your account activity page (usually on a computer), or send screenshots.

• It's the account your pay or income goes into.
• Your name and the account are visible on at least one page or screenshot.
• There are no gaps in the dates, from 3 months ago right up to today.
• Screenshots show the date, description, amount and balance, and nothing is cropped or edited.

Send the files to us the same way we asked for them. Questions? Call AppleTree Cash at 1-888-674-1147.

You can borrow between $100 and $1,500, depending on your income. The maximum is 50% of your net pay from your last payday.

Our fee is $14 per $100 borrowed. For example, if you borrow $500, the fee is $70, making your total repayment $570. This is the maximum allowable cost in Ontario and Saskatchewan.

On a loan of 62 days, the APR is 82.42%. Payday loans are short-term products not designed for extended borrowing.

Loan repayment terms range from a minimum of 61 days to a maximum of 62 days.

Approved loans are sent via Interac E-Transfer directly to your bank account. E-Transfers are sent out in batches every 20 minutes.

Repayment is automatically withdrawn from your bank account on your next payday via pre-authorized debit. You'll receive a reminder before any withdrawal is processed.

Yes, you can repay your loan early without any penalties. Contact our customer service team at 1-888-674-1147 to arrange early repayment.

A $20 NSF fee applies to late payments, plus 30% annual interest on outstanding amounts. If you anticipate difficulty repaying, contact us immediately. Non-payment may result in the account being sent to collections and potential credit impact.

You must be at least 19 years old, a Canadian citizen or permanent resident in Ontario or Saskatchewan, have a regular income of at least $400 per pay period, and have an active Canadian bank account.

Yes, we accept various income types including pension, CPP, OAS, Child Tax, and disability benefits (ODSP). However, welfare/social assistance as the primary income source does not qualify.

No, you cannot have multiple payday loans simultaneously. You must repay your current loan before applying for a new one.

You have the right to cancel your loan agreement within two business days of signing, with no penalty.