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), recent pay stub or proof of income, and your last 3 months of bank statements plus your most recent activity (see step 2).
We need your last 3 months of bank statements plus your most recent activity — everything from the end of your last statement up to today. Getting it right the first time is the fastest way to get approved.
Not sure how? See how to send us your banking below, with steps for TD, CIBC, RBC, Scotiabank, BMO, Tangerine and PC Financial.
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.
Send your banking
We need your last 3 months of bank statements plus your most recent activity. Recent activity means everything from the end of your last statement up to today. Pick whichever way is easiest for you.
Option 1 · Best
One spreadsheet file of your account activity from online banking. Some banks let you pick 90 or 120 days, which covers everything in one file.
Best for: anyone with a computer
Option 2
Your last 3 monthly statements as PDFs, plus screenshots or a CSV of everything since your last statement.
Best for: phone or computer
Option 3
Screenshots from your banking app showing dates, every transaction and your balance, with no gaps.
Best for: recent activity on a phone
A 90 or 120 day CSV usually covers everything we need in one file.
A CSV covering 3 months to today usually covers everything we need in one file. On the app, send screenshots of everything since your last statement instead.
Open your account, use the Download option above your transactions, and choose CSV.
Open your account, use Download Account Activity, and choose CSV.
Sign in to BMO Online Banking or the BMO app, open your chequing account and go to eStatements or Statements & Documents. Download each of the last 3 months as a PDF.
In Online Banking on a computer, open your account and use Download above your transactions. If that isn’t available, send screenshots of everything since your last statement.
This only works on tangerine.ca, not the app. Go to Transactions, then Download Transactions, and choose CSV.
Send screenshots of everything since your last statement.
Look for Statements, eStatements or Documents in your app or online banking. For recent activity, look for a Download or Export option on your account activity page (usually on a computer), or send screenshots.
Send the files to us the same way we asked for them. Questions? Call AppleTree Cash at 1-888-674-1147.
Transparent fees
Canadian law caps payday loan fees at $14 per $100 borrowed. 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 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.
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