Home›Requirements

Eligibility

Do you qualify
for a payday loan?

Most applicants do. Here's everything you need to know before you apply — no surprises, no hidden hoops.

Apply Now to Check

Core requirements

What you need to apply

18 years or older

You must have reached the age of majority in your province — 18 in Ontario and Saskatchewan.

Required

Ontario or Saskatchewan resident

We are licensed to lend in Ontario (including Toronto, Ottawa, Hamilton) and Saskatchewan (including Saskatoon, Regina).

Required

Regular income

Employment income, government benefits, pension, CPP, disability, or other stable recurring income. Self-employed income also considered.

Required

Active Canadian bank account

A Canadian chequing account with online banking to receive your e-transfer and authorize repayment via EFT.

Required

Canadian phone & email

A working Canadian mobile or home phone number and an active email address for application communication and e-transfer delivery.

Required

Not in active bankruptcy

You must not currently be in undischarged bankruptcy at the time of your application. A discharged bankruptcy does not disqualify you.

Required

Income types we accept

What counts as income?

You don't need to be employed full-time. We accept most regular, verifiable income sources:

Employment
Full-time, part-time, contract
CPP / OAS
Canada Pension Plan & Old Age Security
Disability (ODSP)
Ontario Disability Support Program
Child Tax (CCB)
Canada Child Benefit payments
EI / Pogey
Employment Insurance benefits
Social Assistance
Ontario Works / provincial assistance
Self-employed
Regular business income with bank history
Other government
Workers' comp, severance, pensions

What to have ready

Documents you'll need

Our application is fully digital — no faxing, no photocopying, no mailing. Here's what you'll enter during the online process:

  • Government-issued ID Driver's licence, provincial ID card, or passport. You'll enter your ID number during the application.
  • Banking information Your bank's institution number, transit number, and account number — found at the bottom of a cheque or in your online banking.
  • Income details Pay frequency, approximate income amount, and employer or benefit type. We may request a recent pay stub or benefit statement in some cases.
  • Contact information Your current address, phone number, and email address for your e-transfer and loan agreement.

What about credit score?

Apple Tree Cash does not base lending decisions solely on your credit score. We look at your income, banking history, and ability to repay the loan on your next pay date. Many customers with imperfect credit history have been approved.


We do not perform a hard credit bureau inquiry that would impact your credit score during the initial application review.

Questions

Eligibility FAQ

Can I apply if I have bad credit?
Yes. We consider your current income and repayment ability rather than relying purely on credit history. Many customers with past credit problems, collections, or a low credit score have been approved by Apple Tree Cash.
Can I apply if I'm on social assistance or government benefits?
Yes. We accept Ontario Works, ODSP, CPP, OAS, CCB, EI, and other government benefit programs as valid income. Your payments must be regular and verifiable.
Can I get a second loan while I still have one outstanding?
Ontario law prohibits having more than one outstanding payday loan at a time from any lender. You must fully repay your current loan before applying for a new one.
I live outside Ontario and Saskatchewan — can I still apply?
At this time, Apple Tree Cash is licensed to lend in Ontario and Saskatchewan only. We cannot provide loans to residents of other provinces.
What if I've been declined before?
Each application is reviewed independently. If your circumstances have changed — new income source, improved banking history, or lower outstanding debts — you are welcome to reapply. Contact us if you'd like guidance before reapplying.

Think you qualify? Apply now.

It's free to apply and takes under 5 minutes.

Start Application