Not everyone has currently or will recover from the financial distress of COVID. There are people in your community, maybe even in your family, still struggling β€” and their anxiety is only increasing.

It’s a hopeless place, but change is possible. Janell’s testimony shows us how.

Janell’s Story

Give now to change lives together

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Life was chaos, complete chaos. I was in a lot of debt and struggling to get a house for me and the kids


You are the key

COVID has brought new challenges and opportunities for CAP and the Church.

Your gift today will equip a fresh movement of churches to be part of the solution β€“ churches with people like Margaret who love to walk alongside people in their community.

“If we in the church can get alongside them, we can give them a lot of hope”

Margaret, Janell’s debt coach


How is CAP funded?

One-third of funding comes from the Life Changer program, which now numbers more than 3,000 individuals giving a monthly donation to CAP. One-third comes from the churches that CAP equips, and the remaining funds come from charitable trusts, fundraising events, and one-off gifts from supporters. CAP receives no government funding.

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.

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.