We send your approved loan funds via Interac E-Transfer — the fastest, most secure way to get money directly into your bank account.
Interac E-Transfer is Canada's preferred way to send and receive money — and it's how we get your funds to you as fast as possible.
Funds arrive within minutes, not days. No waiting for cheques to clear or bank holds to lift.
Bank-level encryption protects your transfer from start to finish with every transaction.
Deposit directly to your bank account via your mobile banking app in just a few taps.
E-Transfers can be sent and received around the clock — including weekends and holidays.
From approval to funds in your account — here's exactly what happens after you're approved.
Once your application is approved, we initiate the E-Transfer immediately — no delays.
You'll receive an email from Interac with instructions to deposit your funds.
Click the link in the email or accept via your bank's mobile app. Quick and simple.
The money is deposited directly into your bank account — instantly available to use.
Interac Autodeposit allows E-Transfers to be deposited directly into your bank account without needing to answer a security question.
This e-Transfer expires in 30 days if not deposited. Powered by Interac.
Apply now and receive your money via E-Transfer today.
Apply Now — It's FreeWe comply with all government regulations in our service areas including Ontario and Saskatchewan.
No refinances, rollovers, or extensions. We lend responsibly to protect your financial wellbeing.
Clear terms on payments, fees, and implications of non-payment — no hidden surprises.
1. Repayment Period
Loan repayment of 62 days.
2. Maximum Annual Percentage Rate (APR)
The maximum Annual Percentage Rate (APR) is 364%. On a loan of 62 days, the APR is 82.42% which includes interest and all applicable fees. Max 62 day loans.
Maximum allowable cost per $100 Borrowed: $14.00 | Cost per $100 Borrowed: $14
3. Representative Example of Total Loan Cost
Representative Example: Borrow $500 for 14 days. The total cost of borrowing is $70. Total repayment: $570. This includes interest and all applicable fees.
Ontario: AppleTree Cash is licensed under the Payday Loans Act, 2008, regulated by the Financial Services Regulatory Authority of Ontario (FSRA). Maximum cost of borrowing is $14 per $100. You have the right to cancel your loan agreement within two business days of signing with no penalty. You cannot be charged more than $14 per $100 borrowed. You cannot be charged a fee for paying back your loan early. For more information, visit ontario.ca/paydayloans or contact FSRA at 1-800-668-0128.
Saskatchewan: AppleTree Cash is licensed under The Payday Loans Act, 2012, regulated by the Financial and Consumer Affairs Authority of Saskatchewan (FCAA). Maximum cost of borrowing is $14 per $100. You have the right to cancel your loan agreement within two business days of signing with no penalty. For more information, contact the FCAA at 1-877-880-5550 or visit fcaa.gov.sk.ca.
Borrower Rights: You cannot be required to purchase any other product or service as a condition of being granted a payday loan. You cannot have your loan renewed, refinanced, or extended. You cannot be charged a default rate of interest higher than the rate that applies before default. If you are having difficulty repaying your loan, contact us immediately. We may be able to work out a payment arrangement.
Not for Long-Term Use: Payday loans are intended for short-term financial needs only and are not a solution for longer-term financial problems. Borrowing from a payday lender to cover regular living expenses is not recommended. Consider other options including a personal line of credit, personal loan, or asking family or friends for help. If you are experiencing ongoing financial difficulty, contact a non-profit credit counselling service in your area.
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