Home / Compare payday lenders
Compare payday loans in Canada: AppleTreeCash and 9 other lenders
AppleTreeCash is a licensed online lender (Ontario licence #4724330, Saskatchewan licence #511394) that has served customers since 2022. We lend $100 to $1,500, send funds by Interac e-Transfer, and lend in Ontario, Saskatchewan, the Northwest Territories, Nunavut and Yukon. Here is how we compare with other well-known Canadian payday lenders.
Last updated: October 28, 2026. Details change often, so check each lender's site before you apply.
| Lender | How you apply | How you get the money | Loan amounts | Cost per $100 borrowed in Ontario | Government benefits accepted as income | Open 7 days | Provinces and territories served | Customer ratings (live links) |
|---|---|---|---|---|---|---|---|---|
| AppleTreeCash | Online only | Interac e-Transfer, about 20 minutes once all documents are in | $100–$1,500 | $14 (legal maximum) | Yes: CCB, CPP, OAS, ODSP and more | Yes, 6 am – 6 pm | Ontario, Saskatchewan, Northwest Territories, Nunavut, Yukon | See Trustpilot ↗ See BBB ↗ See Google ↗ |
| Money Mart | Online and storefronts† | E-transfer or in store† | Up to $1,500† | $14 (legal maximum) | Check† | Varies by store† | [ ]† | See Trustpilot ↗ See BBB ↗ See Google ↗ (rated per store) |
| iCash | Online only† | Interac e-Transfer† | Up to $1,500† | $14 (legal maximum) | Check† | Yes† | [ ]† | See Trustpilot ↗ See BBB ↗ See Google ↗ |
| Cash Money | Online and storefronts† | E-transfer or in store† | Up to $1,500† | $14 (legal maximum) | Check† | Varies by store† | [ ]† | See Trustpilot ↗ See BBB ↗ See Google ↗ (rated per store) |
| Cash 4 You | Online and storefronts† | E-transfer or in store† | Up to $1,500† | $14 (legal maximum) | Check† | Varies by store† | [ ]† | See Trustpilot ↗ See BBB ↗ See Google ↗ (rated per store) |
| LendDirect | Online and storefronts† | E-transfer† | Check† | Check† (also offers lines of credit) | Check† | Check† | [ ]† | See Trustpilot ↗ See BBB ↗ See Google ↗ |
| Loan Express | Online† | E-transfer† | Up to $1,500† | $14 (legal maximum) | Check† | Check† | [ ]† | See Trustpilot ↗ See BBB ↗ See Google ↗ |
| GoDay | Online only† | E-transfer† | Up to $1,500† | $14 (legal maximum) | Check† | Check† | [ ]† | See Trustpilot ↗ See BBB ↗ See Google ↗ |
| National Money | Online and storefronts† | E-transfer or in store† | Up to $1,500† | $14 (legal maximum) | Check† | Varies by store† | [ ]† | See Trustpilot ↗ See BBB ↗ See Google ↗ (rated per store) |
| Speedy Cash | Online and storefronts† | E-transfer or in store† | Up to $1,500† | $14 (legal maximum) | Check† | Varies by store† | [ ]† | See Trustpilot ↗ See BBB ↗ See Google ↗ (rated per store) |
Ratings link to each lender's Trustpilot, BBB and Google listings so you always see the current score; lenders with storefronts have a separate Google rating per location. † To be confirmed on the lender's website before publishing. Ontario caps payday loan costs at $14 per $100 borrowed; other provinces set their own limits. AppleTreeCash's maximum APR is 365%, shown on a 62-day loan. New customers need 3 months of bank statements. A $20 fee applies to returned (NSF) payments, and payment arrangements are available before or after your due date.
Apply with AppleTreeCash →Common questions
- Which payday lenders serve the Northwest Territories, Nunavut and Yukon?
- AppleTreeCash lends in all three territories, as well as Ontario and Saskatchewan. Many national lenders do not serve the territories, so check before you apply.
- Can I get a payday loan on the Canada Child Benefit, CPP, OAS or ODSP?
- Yes. AppleTreeCash accepts most government benefits as income, as long as they are direct deposited into the account we would use for your loan.
- How fast is an AppleTreeCash loan funded?
- About 20 minutes from application to e-Transfer when you send all the requested information, including 3 months of bank statements for new customers.
- Are all payday lenders the same price in Ontario?
- Licensed Ontario lenders can charge at most $14 per $100 borrowed. Avoid any lender that charges more or isn't licensed in your province.