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Our History is Our Strength

For more than 50 years, Credit Canada has helped millions of Canadians overcome debt problems and improve their personal money management skills.

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We've Helped

2 Million+

People Sleep Better At Night

We've Resolved


Of People's Debt

We Have

Over 50

Years Of Service

No One Can Claim More Years of Experience or Service

Our experienced Credit Counsellors know all the ins and outs of debt problems and personal money management. And we offer simple, affordable options for everyone.

Non-Profit Means Putting People First

This year alone we will assist about 70,000 consumers through our credit counselling and educational services, which are available to all Canadians regardless of income level or employment status.

As a non-profit agency, our mission is to put people first, and we have stood by that rule as we have grown from one small office in Toronto into a national organization. Today, our debt consolidation and financial education programs benefit individuals, families, and communities everywhere.


Helping People Have a Better Life

Aside from the free financial training built into our debt consolidation programs, we offer both free and affordable financial education services to individuals, organizations, businesses, and learning institutions.

We help turn peoples’ lives around and appreciation of our services runs deep. Our many client reviews and client stories speak for themselves.

Consolidate Your Debt

Partnerships & Special Projects

Credit Canada has worked with community agencies, financial stakeholders, and the Government of Ontario on targeted projects and financial literacy initiatives that address specific financial difficulties faced by Canadians, from credit building and fraud prevention to helping Canadians keep their heat on during winter.

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Awards and Accreditations

Averaging 10 years of experience in the field, each of our Credit Counsellors undergoes rigorous training and is certified as an Accredited Financial Counsellor through the Association for Financial Counselling & Planning Education (AFCPE).


13-Time Consecutive Winner of the Consumer Choice Award for Credit and Debt Counselling Services

Our agency is an accredited member of Credit Counselling Canada (CCC), a national association of non-profit credit counselling services. As an accredited member of CCC, our agency must meet or exceed industry-wide standards for service delivery and integrity.

Credit Canada’s credentials are backed up by the reviews we receive from our clients and our A+ rating from the Better Business Bureau. These achievements are further proof of our devotion to service excellence.

Consumer Choice Award 2024

Consumer Choice Award Winner

Credit Canada is a winner of the Consumer Choice Award for credit and debt counselling.


Credit Counselling Canada Accredited Member

Credit Canada is an accredited non-profit member of Credit Counselling Canada.


Better Business Bureau Accredited


Accredited Financial Counsellors

Our credit counsellors are certified as Accredited Financial Counsellors (AFCC) through the Association for Financial Counselling & Planning Education (AFCPE).

Our Mission and Vision

We are Canada’s leaders in credit counselling, transforming the way people use credit. Everything we do supports our mission to help people get out of debt, so they can get back into life.
To find out how we're doing this, review our 2023 Impact Report - Transforming Financial Wellness.

Committed to Helping Others

See what our client's are saying.

I would like to thank the staff at Credit Canada, especially Randolph for his patience, professionalism and for making the experience a lot less intimidating than I thought it would be. I would definitely recommend Credit Canada to anyone who has gotten themselves into an awkward financial situation and needs to know how to deal with it. Look no further.

- Gail Anne GR

Randolph TaylorCredit CounsellorLearn More →

I had tried another place before coming here and the difference in time and knowledge was like night and day. Cathy was so insightful and didn't rush me out the door, or make me feel like any question I had was dumb. She really helped direct me on the road of debt recovery and I felt empowered leaving her office. Thank you.

- Melissa DiCicco

Cathy PlowmanCredit CounsellorLearn More →

Sandy is absolutely incredible. I had the pleasure of working on a Debt Management Program with her 2.5 years ago. She taught me financial skills, budgeting, learning to work with my money, and motivated me to reach my goal. I paid off $10,000 in debt in 9 months. Today, after my 2-year mark, she wrapped up my account and helped me with credit building options for the future. So relieved, grateful and happy I had the opportunity to work with Sandy and Credit Canada.

- Kaitlyn Ouimette

Sandy DaykinCredit CounsellorLearn More →

If you're experiencing issues with your debt, this is the place you need to contact. I have nothing but great things to say about Credit Canada and specifically my Credit Counsellor, Jean Riddell. She went above and beyond helping me get my situation corrected. Thanks again Jean!

- James Steel

Jean RiddellCredit CounsellorLearn More →

Today I had my assessment with Randolph and he is going to be able to help me have a brighter financial future. Having someone like Randolph who took his time to explain everything and make sure I was able to understand it was just amazing. I would like to thank you and your team for helping me take the first step.

- Darlene Salmon

Randolph TaylorCredit CounsellorLearn More →

We spoke with Becky about our situation and she gave us many great options to explore without being judgmental or making us feel embarrassed or ashamed. This is definitely a good place to start if you need help. Don't be afraid to pick up the phone and give them a call to get back on the right financial track. We no longer have sleepless nights worrying. Thanks Becky for being such a genuine caring person, it’s very rare nowadays.

- UnicornProductionsBK

Becky Western-MacfadyenCredit CounsellorLearn More →