Toronto, Ontario
Toronto's trusted online payday lender. Apply in minutes, get approved fast, and receive your money by e-transfer — no office visit, no waiting in line.
Apply Now — Takes 5 MinutesHow it works
Complete our secure application from anywhere in Toronto — takes under 5 minutes. No fax, no paperwork, no branch visit.
We review your application and make a fast lending decision. Most Toronto applicants hear back within minutes during business hours.
Once approved, your loan is sent by Interac e-Transfer directly to your bank account. Same-day delivery available.
Loan amounts
Loan amounts from $100 to $1,500 depending on your income and eligibility. Repaid on your next pay date.
Why Toronto borrows with us
Life in Toronto moves fast — rent is due, the car needs a repair, or something unexpected comes up between paydays. Apple Tree Cash gives Toronto residents a fast, responsible way to access a short-term loan without the hassle of a traditional bank or a payday loan store.
We're a licensed Ontario lender operating under the Payday Loans Act, 2008. That means transparent fees, no hidden charges, and your consumer rights are protected.
Unlike a physical payday loan store, you never have to leave home. Everything is handled through our secure online platform and your loan arrives by Interac e-Transfer.
Eligibility
You must live in Ontario (Toronto area qualifies). We are licensed to lend in Ontario and Saskatchewan.
Employment, CPP, OAS, child tax benefit, disability, or other verifiable regular income source.
A Canadian chequing account with online banking set up to receive your e-transfer.
Must be the age of majority in Ontario to enter into a loan agreement.
A working Canadian phone number and email address for application confirmation and communication.
You must not be in active bankruptcy proceedings at the time of application.
FAQ
Join thousands of Ontarians who've trusted Apple Tree Cash for fast, straightforward short-term lending.
Apply Now — It's Free to Apply