Service Areas | AppleTree Cash Locations Across Canada

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Ontario

AppleTree Cash is a licensed payday lender in Ontario under the Payday Loans Act, 2008. We serve residents across the province with fast, fully online applications — no branch visit required.

Licensed in Ontario Fee: $14 per $100 Max: $1,500

Ontario Locations

We serve residents in cities and communities across Ontario. Apply online from anywhere in the province.

📍Toronto

📍Ottawa

📍Mississauga

📍Brampton

📍Hamilton

📍London

📍Markham

📍Vaughan

📍Kitchener

📍Windsor

📍Richmond Hill

📍Oakville

📍Burlington

📍Sudbury

📍Oshawa

📍Barrie

📍St. Catharines

📍Cambridge

📍Kingston

📍Guelph

📍Thunder Bay

📍Waterloo

📍Whitby

📍Ajax

📍Pickering

📍Niagara Falls

📍Peterborough

📍Sault Ste. Marie

📍Sarnia

📍Brantford

📍Chatham-Kent

📍Belleville

📍North Bay

📍Welland

📍Timmins

📍Cornwall

📍Woodstock

📍Stratford

📍Orillia

📍Midland

📍Newmarket

📍Aurora

📍Milton

📍Halton Hills

📍Clarington

📍Owen Sound

📍Collingwood

📍Cobourg

📍Lindsay

📍Brockville

📍+ All of Ontario

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Saskatchewan

AppleTree Cash is a licensed payday lender in Saskatchewan under The Payday Loans Act. Residents across the province can apply fully online for fast approval and same-day E-Transfer funding.

Licensed in Saskatchewan Fee: $14 per $100 Max: $1,500

Saskatchewan Locations

We serve residents across Saskatchewan — from Regina and Saskatoon to smaller communities. Apply online from anywhere.

📍Saskatoon

📍Regina

📍Prince Albert

📍Moose Jaw

📍Swift Current

📍Yorkton

📍North Battleford

📍Estevan

📍Weyburn

📍Lloydminster

📍Melfort

📍Humboldt

📍Melville

📍Martensville

📍Warman

📍La Ronge

📍Meadow Lake

📍Kindersley

📍Nipawin

📍Esterhazy

📍Canora

📍Tisdale

📍Assiniboia

📍Indian Head

📍+ All of SK

Common Questions

Frequently Asked Questions

You can apply online through our website. The application takes about 5 minutes to complete. You'll need to provide your personal information, employment details, banking information, and upload a 90-day bank statement.

Most applications are reviewed and approved within 5 minutes during business hours. Complex applications may take slightly longer. You'll receive notification via email and/or SMS.

You'll need a government-issued photo ID, a 90-day bank statement showing running balances, proof of income, and a valid email address and phone number.

We do not perform traditional credit checks. Our approval is based primarily on your income, employment stability, and banking history.

You can borrow between $100 and $1,500, depending on your income and our assessment of your ability to repay.

Our fee is $14 per $100 borrowed. For example, if you borrow $500, the fee is $70, making your total repayment $570. This is the maximum allowable cost in Ontario and Saskatchewan.

The Annual Percentage Rate (APR) for a typical 14-day loan is approximately 365%. However, payday loans are short-term products not designed for extended borrowing.

Loan terms range from 7 to 63 days, typically aligned with your next payday.

Approved loans are sent via Interac E-Transfer directly to your bank account. Most customers receive their funds within 20 minutes of approval.

Repayment is collected automatically via EFT (Electronic Funds Transfer) from your bank account on your scheduled repayment date. Make sure sufficient funds are available.

Yes, you can repay your loan early without any penalties. Contact our customer service team to arrange early repayment.

If you anticipate difficulty repaying, contact us immediately. We may be able to work out a payment arrangement. Note that late payments may result in additional fees and could affect future loan eligibility.

You must be at least 18 years old, a resident of Ontario or Saskatchewan, have a regular income of at least $400 per pay period, and have an active Canadian bank account.

Yes, we accept various income types including pension, CPP, EI, and disability benefits. However, welfare/social assistance as the primary income source may not qualify.

Yes, self-employed individuals can apply. You'll need to show regular income deposits in your bank statements.

No, you cannot have multiple payday loans simultaneously. You must repay your current loan before applying for a new one.

Compliance & Responsible Lending

Our Commitments

Regulatory Adherence

We comply with all government regulations in our service areas including Ontario and Saskatchewan.

Responsible Lending

No refinances, rollovers, or extensions. We lend responsibly to protect your financial wellbeing.

Transparent Policies

Clear terms on payments, fees, and implications of non-payment — no hidden surprises.

1. Minimum and Maximum Repayment Period
Loan repayment terms range from a Minimum of 61 days up to a Maximum of 63 days.

2. Maximum Annual Percentage Rate (APR)
The maximum Annual Percentage Rate (APR) is 365%, which includes interest and all applicable fees. Max 63 day loans.
Maximum allowable cost per $100 Borrowed: $14.00 | Cost per $100 Borrowed: $14

3. Representative Example of Total Loan Cost
Representative Example: Borrow $500 for 14 days. The total cost of borrowing is $70. Total repayment: $570. This includes interest and all applicable fees.

📄 Ontario License 📄 Saskatchewan License

Areas We Serve