AppleTreeCash Payday Loan

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aro Am I eligible?
Be at least 19 years of age
Be a Canadian Citizen or Permanent Resident
Be employed or benefit recipient

aro How It Works?
Complete the online application
We will assess your application
You will receive confirmation email if approved
Your Funds are emailed immediately

aro Compliance complies with all government regulations in the jurisdictions in which we offer our services

aro Renewal Policy
Pursuant to relevant payday loan statutes and regulations, does not offer refinances, rollovers or extensions to its payday loans in any jurisdictions that prohibit refinances, rollovers, or extension.

Our mission

Our Mission is to provide a courteous and efficient online service where clients can obtain a Payday Loan, Cash Advances, Quick Cash LoansCTC Payday Loans, ODSP Payday Loans, CPP Cash Advances, OAS Cash advances, Fast Cash Advances and Paycheck / Payroll Payday Loans.

Our loans are sent immediately by Email Money Transfer, 7 days a week.

Late Payment or NSF Payments

If receives your payment after the due date of your loan, it will be considered late, and you will be charged an NSF fee of $25 from Annual interest for late payment is calculated at 30% after the original due date of the loan. You may also incur an overdraft charge from your bank. The best way to avoid making late payments is have sufficient funds in your bank account on your payment due date. has agreements with third party collections agencies, authorizing them to collect on delinquent accounts. Accounts may be settled for less than the amount actually owing, at the discretion of the collection agency.

If a pre-authorized withdrawal is returned for any of reason you will be charged an NSF fee of $25 from You may also incur an overdraft charge from your bank.

Implications of Non Payment

In the event that you do not repay us on a loan, you will not be permitted to borrow from us again until such time as you have repaid your outstanding loan. In addition, your file, including all information regarding your loan, will be sent to a third party collection agency. We only use reputable collection agencies that comply with all prevailing best and lawful collections practices.

Any customer who does not repay his or her loan in full by the loan's due date will be considered delinquent and the loan will be classified as non-payed. In such cases, the customer's file will be sent to a third party collection agency and customer will have this default reported to a credit agency. The customer's credit rating may be negatively impacted..

Representative APR

To qualify for a payday loan, minimum net pay requirements will apply and may vary by province. Other conditions may also apply. Ask an Customer Service Representative (CSR) for details.

The cost of borrowing varies by province

ON $15/100 APR Max 390%
BC $15/100 APR Max 390%
SK $17/100 APR Max 442%

example $100 loan for 14 days is $115

maximum loan term 60 days

Please review each one depending on your location.

Borrower’s Right to Cancel(Saskatchewan Residents Only)

(i) A Borrower shall have the right to cancel a loan, without reason or cost, at any time before the end of the business day following the date that the payday loan agreement was entered into, is open for business on that day, or until the end of business on the next day that is open ("Cancellation Period").
(ii) To cancel a loan, the Borrower must during the "Cancellation Period" either
(A) log into their account on the or
(B) complete and deliver the Notice of Cancellation in the form set out below to any Cash-x Inc. O/A branch in Saskatchewan, together with payment in full of the cancelled loan in cash, certified cheque, money order or by Interac debit.
(iii) Upon cancellation and repayment of a loan, Cash-x Inc. O/A will provide the Borrower via electronic mail (if the loan is cancelled online) or in paper form (if a Notice of Cancellation is delivered to a Cash-x Inc. O/A branch in Saskatchewan) a receipt in the Form.

 99 Yorkville Ave , Suite 200,
Toronto M5R3K5

Toll Free Phone: 1-888-550-3260
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