Receiving Canada Pension Plan benefits? You can qualify for a payday loan up to $1,500 with AppleTree Cash. Fast online application, no credit check, E-Transfer funding the same day.
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.
Canada Pension Plan payments count as verified income. No employment required.
We schedule repayment around your CPP payment date — typically the third-last business day of each month.
There is no maximum age to apply. Retirees on CPP and OAS regularly qualify.
We assess your income and banking history — not your credit score or past financial history.
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