Credit Canada GOLD

Sponsored by:

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Ready to Improve Your Finances?

In Canada, the cost of living continues to increase. As things get more expensive, you might be using credit to bridge the gap, and the debt is piling up. You’re overwhelmed, losing sleep, missing payments, and falling further and further behind. If you’re ready to make changes to get out of debt but aren’t sure where to start, you’ve come to the right place.

Credit Canada GOLD is a financial coaching program to support you with changing your relationship with money and creating a personalized plan for getting out of debt. With the help of your financial coach, you will learn new ways to handle your money and create a system that puts you on the path to debt freedom. 

How Credit Canada GOLD Can Help

Credit Canada GOLD is an accessible and credible financial coaching program offered by Canada’s longest-standing non-profit credit counselling agency. It moves beyond traditional financial literacy, which is knowledge-based, to financial well-being, which is insight-based and tailored to your unique financial situation. 

Our coaches will help you find insights about your financial information and create a plan that promotes long-term financial wellness. Those insights drive action and sustained behavioural change, making a continued impact over time.

Credit Canada GOLD Financial Coaching is:

1

Scholarship-based:

There’s no cost to participants (program is valued at $700).

2

Based on behavioural science:

Provides the insights and tools to create sustainable long-term change.

3

Rooted in community:

Includes small-group coaching, accountability buddies and a format that promotes community-building.

1

Supportive:

Two years of follow-up support with check-ins, live events, and free resources.

2

Accessible:

Offered 100% virtually.

Best Non-profit Adult Financial Education Project - Winner

Winner of the 2026 Money Awareness and Inclusion Award (MAIA) for Best Non-Profit Adult Education Project

Credit Canada GOLD is recognized as the winner of the 2026 Money Awareness and Inclusion Award (MAIA) for Best Non-Profit Adult Education Project. The MAIAs celebrate excellence and innovation in financial education and inclusion worldwide, reflecting the growing global importance of accessible, high-impact financial education programs. Being recognized by the MAIAs highlights the meaningful impact GOLD continues to make in helping Canadians build stronger financial futures.

Ready to Experience Credit Canada GOLD?

Get control of your debt for good.

Apply Now - Sept. 2 to Oct. 7, 2026Apply Now - Oct. 20 to Nov. 24, 2026

1

Average debt reduction
after 6 months:

$11,934

2

Credit score improvement after 6 months:

Up to 140 points

3

Debt repaid by participants through Credit Canada GOLD:

$4M+


Here's what Credit Canada GOLD participants are saying about the program

This program and the way it is structured helped me reach my goals of freedom surrounding my finances. I felt helpless before I started, and now, I feel that there is hope of living a happy life free of unnecessary debt. I have been involved in many programs and focus groups surrounding self-improvement, this is the first program in years that has inspired my full commitment. I hope that Credit Canada Gold continues, it has proven successful for those who are willing to follow the format and suggestions.

This program made a world of difference to me. Without it, I can say with absolute certainty that I would be stressed, afraid, and carrying a burden that I had no idea I could be freed of. Smart people can be stupid with money. They can be taught new skills and ideas that will change that.

This program offers support and structure to take away that emotional anxiety about money, look at the cold, hard facts of where you are, and offer hopeful messages that you can get control over this situation.  It has a small footprint but a big impact on those lucky enough to access the expertise and wisdom of the Credit Canada team.

The course really made me think from a different perspective.  It helped me to focus on my goals and what I am trying to accomplish.

This course was like therapy in many ways, and Becky and Bruce were very adept at ripping off the band-aids.  Bruce also has a subtle not-so-subtle way of not letting you avoid certain actions or conversations.  The course design wasn't heavy,  but there was still a lot of information to take in and digest.  Thankfully, it was presented in a way that each lesson became personal and easy to learn (not always easy to do or implement). I learned a lot about myself (more than just the financial side).  

Events

GOLD Ask Me Anything (AMA) Information Session

Coming Soon!


Meet Our Facilitators

Checkerboard (600 x 600 px) (33)

Kelly Cowan

Kelly Cowan is a professional personal leadership coach (PCC) and facilitator with 28 years of experience in financial services. She sparks people to face their challenges with grace and get results.
Brian Bogaert

Brian Bogaert

Brian has been coaching and educating people on their financial journey for 15+ years after 'retiring' from the corporate world at 37 through saving & real estate investing. He became a certified NLP practitioner and coach in 2018 and believes in educating and empowering clients, family and friends to have the life they truly desire.
Joanna Mackie

Joanna Mackie

Joanna Mackie (M.A. in Adult Development) is a leadership and life coach, designer/facilitator and system change consultant with 30+ years of global experience. Her work focuses on supporting people to strengthen their awareness and capabilities to navigate complex change with increasing ease and effectiveness.

Frequently Asked Questions

Have questions? We are here to help.

What is Credit Canada GOLD?

Who is this program for?

What will you need to do?

Where does the program take place?

How much does it cost you?

What happens after the program is over?

If you have any questions about the program, please contact Becky Western-Macfadyen at bwestern@creditcanada.com.


Credit Canada GOLD

Get control of your debt for good.

Apply Now - Sept. 2 to Oct. 7, 2026Apply Now - Oct. 20 to Nov. 24, 2026


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Interested in bringing Credit Canada GOLD to your organization?

Please contact Lesley Choules, Director of Sponsorships, to learn more.

Partners

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Current Sponsors

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