Need $200 fast? Apply online with AppleTree Cash in 5 minutes. No credit check, no branch visit. Funds sent by Interac E-Transfer within 20 minutes of approval.
Complete our 5-minute application at any time. Upload your 90-day bank statement and we'll do the rest.
Most applicants receive a decision within 5 minutes. We assess your income and banking history — not your credit score.
Once you sign your loan agreement, funds are sent via Interac E-Transfer within 20 minutes — 7 days a week.
You receive $200 deposited directly to your bank account via Interac E-Transfer.
$14 per $100 borrowed. On $200 that's a flat $28 fee — no hidden charges.
You repay $228 on your next payday. Loan term: 62 days.
Must be 18+ and a Canadian citizen or permanent resident living in Ontario or Saskatchewan.
Employment, CPP, OAS, EI, ODSP, child tax, or other government benefits of at least $400/pay period.
A Canadian chequing account that's been active for at least 90 days with direct deposit history.
A valid email address and Canadian phone number to receive your approval and loan agreement.
We do not perform hard credit checks. Bad credit, no credit, or previous debt is not a barrier.
Maintain at least $200 in your account on your next payday to ensure smooth repayment.
Regulated maximum cost in Ontario and Saskatchewan. No hidden fees, ever.
Loans up to 62 days. No rollovers or extensions permitted by law.
On the representative $500 / 62-day loan, cost of borrowing is $70, total repayment $570.
Cost of Borrowing
Loan repayment terms range from a minimum of 61 days to a maximum of 62 days.
Maximum allowable cost per $100 Borrowed $14.00 | Cost per $100 Borrowed $14
Representative Example: Borrow $500. The total cost of borrowing is $70. Total repayment: $570. On a loan of 62 days, the APR is 82.42%. This includes interest and all applicable fees.