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
Canadian law caps payday loan fees at $14 per $100 borrowed.Annualized Percentage Rate 364%.On a loan of 62 days, the APR is 82.42%.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 under Ontario's Payday Loans Act, 2008 and Saskatchewan's The Payday Loans Act, the two provinces where we're licensed — see all cities we serve. 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