Christmas was hard for many as families remained separated during what should have been a time of joy and celebration. But for some, financial distress made a bad situation unbearable.

Feeling hopeless — even suicidal — due to money is not okay in Australia. Freedom is available, but only with your help.

I’d like to give freedom this Christmas

How much would you like to give?

(All gifts of $2 or more are tax deductible)

Give Once
Give Monthly

How much would you like to give?


You can edit amount here.
Please enter a donation amount or select from options.

Donating on behalf of someone as a Christmas gift? Your donation card will be available for download once you have processed your donation.


How is CAP funded?

CAP receives no government funding. One-third of funding comes from the Life Changer program, which now numbers more than 3,500 individuals giving a monthly donation to CAP. As CAP works through local churches to deliver its service, one-third comes from churches. The remaining funds come from charitable trusts, fundraising events, and one-off gifts from supporters.

Is the service just for Christians?

No, the CAP service is available to anyone regardless of race, nationality, religion, age, gender, marital status, sexual orientation or disability. This is shown as over 90% of CAP clients are not Christians.
As a Christian organisation, CAP Debt Coaches may offer prayer and discuss issues of faith with clients if they are interested. However, their response in no way affects the service offered.

Is there a charge for the CAP service?

No, it is completely free. Clients are given the opportunity to give voluntary donations to the charity if they want to and their budget shows they can afford to. CAP works hard to not create any sense of obligation when the opportunity to give a donation is presented.
Many clients choose not to donate and this in no way affects the service that is offered.

Does CAP give money to clients?

No, CAP does not give money to clients to help pay their debts. Rather, CAP helps clients repay their own debts in a sustainable way, allowing them to meet their basic needs. This is achieved through an agreed-upon budget and negotiations with creditors to work out repayment terms that work for both parties and where appropriate, waivers.