Receiving Canada Pension Plan benefits? You can qualify for a payday loan up to $1,500 with AppleTree Cash. Fast online application, no credit check, E-Transfer funding the same day.
Complete our 5-minute application at any time. Upload your 90-day bank statement and we'll do the rest.
Most applicants receive a decision within 5 minutes. We assess your income and banking history — not your credit score.
Once you sign your loan agreement, funds are sent via Interac E-Transfer within 20 minutes — 7 days a week.
Canada Pension Plan payments count as verified income. No employment required.
We schedule repayment around your CPP payment date — typically the third-last business day of each month.
There is no maximum age to apply. Retirees on CPP and OAS regularly qualify.
We assess your income and banking history — not your credit score or past financial history.
Must be 18+ and a Canadian citizen or permanent resident living in Ontario or Saskatchewan.
Employment, CPP, OAS, EI, ODSP, child tax, or other government benefits of at least $400/pay period.
A Canadian chequing account that's been active for at least 90 days with direct deposit history.
A valid email address and Canadian phone number to receive your approval and loan agreement.
We do not perform hard credit checks. Bad credit, no credit, or previous debt is not a barrier.
Maintain at least $200 in your account on your next payday to ensure smooth repayment.
Regulated maximum cost in Ontario and Saskatchewan. No hidden fees, ever.
Required disclosure. Representative example: borrow $500 for 14 days, repay $570 total.
Minimum 14 days, maximum 62 days. No rollovers or extensions permitted by law.