Money doesn't grow on trees, but perks do. Repay on time, and every loan after that comes with front-of-the-line service, guaranteed E-Transfer funding, and member discounts on the things you buy every week.
Nothing to sign up for. We add you automatically once you qualify — no points to track, no card to carry.
Priority in our queue and our emails. Your applications and questions are reviewed before non-members, every time.
Approved funds always go out by E-Transfer in the next 20-minute batch — not by EFT (electronic funds transfer), which can take a business day or more to land.
Member pricing on groceries, coffee, food delivery, phone plans and more — the things you already spend on, for less.
Membership isn't bought — it's earned by borrowing responsibly. Meet these three conditions and we add you automatically.
Offers update as we add partners. Members get the full list and redemption codes by email — this is a preview.
Full offer details and codes are for members only. Join Golden Apple to unlock them.
You don't need to. We review accounts and add clients automatically once they qualify. No points to collect, no card to carry — membership is tied to your AppleTree Cash account.
No. Every AppleTree Cash loan — member or not — costs $14 per $100 borrowed with a 61-to-62-day term. The Golden Apple Preferred Client Program changes how fast we serve you and what you save elsewhere, not what you pay us.
Yes. A returned payment or an overdue balance pauses your membership until your account is back in good standing. Once it is, you're back in — no need to re-apply.
Each offer tells you how: a code at checkout, a link, or showing your member email in store. We'll send new perks to your inbox as partners are added.
No. Once you're a member, the discounts are yours whether or not you have a loan open.
Enter the email on your AppleTree Cash account. We'll confirm your membership and send your first perks within one business day.
Cost of borrowing. Golden Apple Preferred Client Program membership does not change the cost or terms of any loan. AppleTree Cash is a licensed lender in Ontario (Licence #4724430) and Saskatchewan (Licence #511394) and also lends in Nunavut, Yukon and the Northwest Territories.
No refinances, rollovers or extensions. Partner offers are provided by third parties, may change without notice, and are subject to each partner's own terms.
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