The process
No storefronts, no faxes, no lineups. Apple Tree Cash lets you apply online, get approved fast, and receive your money by e-transfer — often the same day.
Start Your ApplicationStep by step
Click Apply Now and complete our short, secure application form. It typically takes under 5 minutes. You'll provide basic details about yourself, your income, and your bank account so we can deposit your loan and collect repayment.
What you'll need: Government-issued ID, banking information (bank, transit, account numbers), and recent pay stub or proof of income.
Our team reviews your application and makes a lending decision quickly — usually within minutes during business hours. We consider your income and repayment ability, not just your credit score. Most applicants get a decision within the same business day.
What happens here: We may contact you for additional information. Once approved, we'll send you a loan agreement to review and sign electronically.
Before any money moves, you'll receive a clear loan agreement showing your exact loan amount, total fees, and your repayment date. Ontario law requires full disclosure. Review it carefully — you have a right to cancel within 2 business days with no penalty.
Once your agreement is signed, we send your loan by Interac e-Transfer to the email address on your application. Most customers receive their money within hours. Repayment is collected automatically by EFT on your next pay date — no need to do anything.
Transparent fees
Ontario law caps payday loan fees at $14 per $100 borrowed. Here's exactly what that means:
| Loan amount | Fee ($14 per $100) | Total you repay |
|---|---|---|
| $100 | $14.00 | $114.00 |
| $200 | $28.00 | $228.00 |
| $300 | $42.00 | $342.00 |
| $500 | $70.00 | $570.00 |
| $1,000 | $140.00 | $1,140.00 |
| $1,500 | $210.00 | $1,710.00 |
Fees shown are the maximum permitted by Ontario's Payday Loans Act, 2008 (effective January 1, 2023). Your actual fee is disclosed in your loan agreement before you sign. Payday loans are short-term products intended for temporary financial needs — not a long-term financial solution.
Why Apple Tree Cash
The whole process takes minutes. Get your loan decision today.
Apply Now — Free to Apply