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Licensed Lender in Saskatchewan — FCAA Regulated

Same Day Payday Loans in Saskatchewan

Borrow up to $1,500 and get cash by e-Transfer in as little as 20 minutes. Simple application, fast approval, no credit check.

No credit check
Same-day funding
FCAA licensed
Apply Now → How It Works

Why Saskatchewan Borrowers Choose AppleTree Cash

Fast, transparent payday loans built around Saskatchewan's lending rules.

5-Minute Approval

Get approved in just 5 minutes with our streamlined application process.

Funds in 20 Minutes

Receive your money via e-Transfer within 20 minutes of approval.

FCAA Licensed & Secure

Fully licensed with Saskatchewan's Financial and Consumer Affairs Authority, with secure data protection.

Up to $1,500

Borrow between $100 and $1,500 based on your income and needs.

How a Saskatchewan Payday Loan Works

Get your cash in three simple steps

1

APPLY ONLINE

Complete the online payday loan application quickly and easily

2

APPLICATION REVIEW

We assess your application promptly. Send your bank transactions including balance after each transaction.

3

APPROVAL CONFIRMATION

Receive a confirmation email if approved

4

INSTANT FUNDS

Your funds are emailed immediately via e-Transfer

Start Your Application

Am I Eligible for a Saskatchewan Payday Loan?

Most Saskatchewan applicants who meet our basic requirements are approved.

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Age & Residency

Be a Saskatchewan resident, Canadian Citizen or Permanent Resident, and at least 19 years of age.

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Minimum Income $400/Pay

Maximum loan amount is 50% of your net pay as of your last payday.

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Employment Types

Employed or receiving government benefits (Child Tax, CPP, OAS, EI, Disability).

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Account Balance

Maintain a balance of $200 on payday.

View Full Requirements

Saskatchewan Payday Loan Rules You Should Know

We follow every rule set by the Financial and Consumer Affairs Authority of Saskatchewan (FCAA).

1. Maximum Loan Amount
Payday loans in Saskatchewan cannot exceed $1,500 or 50% of your net pay, whichever is less.


2. Maximum Cost of Borrowing
As of the 2025 federal cap, the maximum cost is $14.00 per $100 borrowed across Canada's regulated provinces, including Saskatchewan. Representative Example: Borrow $500 for 14 days. The total cost of borrowing is $70. Total repayment: $570. Maximum APR 365%, which includes interest and all applicable fees.


3. Loan Term
Payment is due on your next regular payday, with a maximum loan term of 62 days.


4. Right to Cancel
You can cancel your loan without penalty by the end of the next business day after signing.


5. Responsible Lending
No rollovers, refinances, or extensions. Only one NSF fee, capped at $20, applies per loan, no matter how many payments are missed.

Serving Borrowers Across Saskatchewan

Apply online from anywhere in the province. Here are a few of the cities we serve.

View All Saskatchewan Service Areas

Saskatchewan Payday Loan FAQs

Quick answers about borrowing in Saskatchewan.

How fast can I get a payday loan in Saskatchewan?
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Most Saskatchewan applications are approved in about 5 minutes. Once approved, funds are sent by e-Transfer within 20 minutes, so you can often have cash the same day you apply.
How much can I borrow in Saskatchewan?
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You can borrow between $100 and $1,500, up to a maximum of 50% of your net pay, in line with Saskatchewan's Payday Loans Act.
What does a payday loan cost in Saskatchewan?
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Saskatchewan caps the cost of borrowing at $14 per $100 borrowed, the same federal standard now in place across most regulated provinces. For example, borrowing $500 for 14 days costs $70, for a total repayment of $570.
Is AppleTree Cash licensed in Saskatchewan?
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Yes. AppleTree Cash is a licensed payday lender with Saskatchewan's Financial and Consumer Affairs Authority (FCAA), and we follow Saskatchewan's responsible lending rules, including no rollovers, refinances, or extensions.
Can I cancel a payday loan in Saskatchewan?
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Yes. Saskatchewan law gives you the right to cancel your loan without penalty by the end of the next business day after signing.
Do you check my credit for a Saskatchewan payday loan?
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We don't run a traditional credit check. Approval is based on your income and ability to repay, not your credit score.

Ready to Get Started?

Apply now and get up to $1,500 deposited to your account today.

Apply Now — It's Free

Contact Us

Hours

7 days a week. 6AM to 6PM (EST)