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Ontario Works Income — May Qualify

Payday Loans for Ontario Works Recipients

Receiving Ontario Works (OW) assistance? AppleTree Cash reviews all income sources including OW benefits. Apply online in 5 minutes — fast decision, no credit check, E-Transfer funding.

Apply Now — Free & No Credit Check Check Requirements
5 min
Average Approval Time
$14
Per $100 — No Hidden Fees
20 min
E-Transfer After Approval
7 days
A Week Available

2026 Ontario Works Payment Dates

Ontario Works is paid on the last business day of each month, for the month ahead. If that day is a weekend or holiday, it moves to the business day before — September pays on the 29th because September 30 is the National Day for Truth and Reconciliation. December is issued early, ahead of the holidays.
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January

January 30, 2026

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February

February 27, 2026

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March

March 31, 2026

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April

April 30, 2026

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May

May 29, 2026

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June

June 30, 2026

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July

July 31, 2026

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August

August 31, 2026

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September

September 29, 2026

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October

October 30, 2026

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November

November 30, 2026

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December

Early December 2026 (date set by Ontario)

Dates apply to direct deposit and reloadable payment cards. Some municipalities (including Toronto) may issue certain payments on different dates — check your own payment status any time in MyBenefits.

Apply Now

How It Works

Get funded in 3 simple steps — no branch visit, no paperwork, no credit check.
01

Apply Online

Complete our 5-minute application at any time. Upload your 90-day bank statement and we'll do the rest.

02

Get Approved

Most applicants receive a decision within 5 minutes. We assess your income and banking history — not your credit score.

03

Receive Your Money

Once you sign your loan agreement, funds are sent via Interac E-Transfer within 20 minutes — 7 days a week.

View full How It Works guide →

Ontario Works & Payday Loans

Important information for OW recipients before you apply.
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OW as Sole Income

Ontario Works as a sole income source may not always qualify. A combination of OW plus employment or other benefits improves eligibility.

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Payment Timing

OW payments arrive on the last business day of each month. Repayment is scheduled around this date.

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No Credit Check

We never perform a hard credit check. Your credit score does not affect your eligibility.

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Responsible Lending

We assess ability to repay carefully for OW recipients to ensure the loan won't create additional hardship.

Requirements

Simple eligibility — most Canadians qualify. View full requirements →
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Age & Residency

Must be 18+ and a Canadian citizen or permanent resident living in Ontario or Saskatchewan.

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Regular Income

Employment, CPP, OAS, ODSP, child tax, or other government benefits of at least $400/pay period.

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Active Bank Account

A Canadian chequing account with 3 months of bank statements showing no NSF or stopped payments in the last 90 days.

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Contact Info

A valid email address and Canadian phone number to receive your approval and loan agreement.

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No Credit Check

We do not perform hard credit checks. Bad credit, no credit, or previous debt is not a barrier.

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Minimum Balance

Maintain at least $200 in your account on your next payday to ensure smooth repayment.

Frequently Asked Questions

Everything you need to know. View full FAQ →
Apply online at appletreecash.com in about 5 minutes. Upload your 90-day bank statement, provide your income details and personal info, then sign your agreement electronically.
No. We do not perform hard credit checks. Approval is based on your income, employment stability, and banking history.
Once you sign your loan agreement, funds are sent via Interac E-Transfer within 20 minutes, 7 days a week including weekends.
Our fee is $14 per $100 borrowed — the regulated maximum in Ontario and Saskatchewan. On a $500 loan, the total repayment is $570. No hidden fees.
Between $100 and $1,500, depending on your income and our assessment of your ability to repay. Maximum is 50% of your net pay.
We accept employment income, CPP, OAS, ODSP, Ontario Works, Canada Child Benefit, and most other government benefits.
AppleTree Cash reviews all applications including those with Ontario Works income. OW as a sole income source may be challenging to qualify with, but we encourage you to apply. Having additional income alongside OW significantly improves your chances.
Ontario Works provides a maximum of approximately $733/month for a single person. This may limit the loan amount available to you, as we cap loans at 50% of your net income per pay period.
If you don't qualify through AppleTree Cash, we recommend contacting the Ontario Works office about emergency assistance, or reaching out to a non-profit credit counsellor at Credit Counselling Society (1-888-527-8999).

Helpful Resources

⚡ How It Works ❓ FAQ ✅ Requirements 🏢 About Us 🛡️ Responsible Lending 📍 Service Areas ⭐ Customer Reviews

Licensed & Regulated

$14

Per $100 Borrowed

Regulated maximum cost in Ontario and Saskatchewan. No hidden fees, ever.

62

Day Loan Terms

Loans up to 62 days. No rollovers or extensions permitted by law.

82.42%

APR for This Example

On the representative $500 / 62-day loan, cost of borrowing is $70, total repayment $570.

Ontario: Licensed under the Payday Loans Act, 2008.  |  Saskatchewan: Licensed under The Payday Loans Act.
No rollover loans. No refinancing. No additional products sold with your loan. Your data is encrypted and never sold.
Read our Responsible Lending Policy →

Cost of Borrowing

Loan Terms & Disclosure

Minimum and Maximum Repayment Period

Minimum repayment period61 days
Maximum repayment period62 days

Maximum Annual Percentage Rate (APR)

Cost per $100 borrowed$14.00
Maximum APR365%

Representative Example of Total Loan Cost

Loan amount$500
Term62 days
Total cost of borrowing$70
Total repayment$570
APR for this example82.42%