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Online — Available Province-Wide

Areas We Serve

AppleTree Cash is a licensed online payday lender serving residents across Ontario and Saskatchewan. Select your province to find your city.

Apply Now — It's Free Check Requirements
2
Licensed Provinces
30+
Cities Served
$14
Per $100 Fee
20 min
E-Transfer Funding

🍁 Ontario

Licensed under the Payday Loans Act, 2008. We serve residents across the province with fast, fully online applications — no branch visit required.

Licensed in Ontario Fee: $14 per $100 Max Loan: $1,500 Terms: up to 62 days
View Ontario Payday Loans Guide →

Ontario Cities

🌾 Saskatchewan

Licensed under The Payday Loans Act. Saskatchewan residents can apply fully online for fast approval and same-day E-Transfer funding.

Licensed in Saskatchewan Fee: $14 per $100 Max Loan: $1,500 Terms: up to 62 days
View Saskatchewan Payday Loans Guide →

Saskatchewan Cities

How It Works
Get funded in 3 simple steps — no branch visit, no paperwork, no credit check.
01

Apply Online

Complete our 5-minute application at any time. Upload your 90-day bank statement and we'll do the rest.

02

Get Approved

Most applicants receive a decision within 5 minutes. We assess your income and banking history — not your credit score.

03

Receive Your Money

Once you sign your loan agreement, funds are sent via Interac E-Transfer within 20 minutes — 7 days a week.

View full How It Works guide →

Helpful Resources

Licensed & Regulated

$14

Per $100 Borrowed

Regulated maximum cost in Ontario and Saskatchewan. No hidden fees, ever.

364%

Maximum APR

Required disclosure. Representative example: borrow $500, repay $570 total.

62

Day Loan Terms

Loans up to 62 days. No rollovers or extensions permitted by law.

Ontario: Licensed under the Payday Loans Act, 2008 (FSRA).  |  Saskatchewan: Licensed under The Payday Loans Act.
No rollover loans. No refinancing. No additional products sold with your loan. Your data is encrypted and never sold.
Read our Responsible Lending Policy →

Cost of Borrowing

Loan Terms & Disclosure

Minimum and Maximum Repayment Period

Loan term62 days

Maximum Annual Percentage Rate (APR)

Maximum APR364%
Cost per $100 borrowed$14.00

Representative Example of Total Loan Cost

Loan amount$500
Term62 days
Total cost of borrowing$70
Total repayment$570
APR for this example82.42%