Collecting Employment Insurance? You can still qualify for a payday loan up to $1,500 with AppleTree Cash. No credit check, fast 5-minute application, same-day E-Transfer funding.
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.
Employment Insurance is treated as verified, stable income. You don't need to be currently employed.
Repayment is scheduled around your EI payment date — we work with your bi-weekly deposit schedule.
Most EI applicants receive a decision within 5 minutes during business hours.
Being between jobs shouldn't mean you can't access emergency funds. We look at income, not credit.
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