Consolidate Eligible Debt
Combine multiple unsecured debts into one manageable payment.
PAY LESS INTEREST.
GET OUT OF DEBT FASTER.
Credit Advise members can access debt consolidation solutions that may reduce interest rates — in some cases, as low as 0%.
High-interest debt can make it feel like you're making payments but getting nowhere.
Credit Advise can help you find another way.
Lower Interest
Participating creditors may reduce interest — potentially as low as 0%\*.
Member Benefit
Available through your Credit Advise membership.
How It Works
A simpler path to a brighter financial tomorrow.
Join Credit Advise
Create your account in minutes.
Review Your Debt
Tell us about your unsecured debts.
See Your Options
Explore personalized debt solutions.
Start Moving Forward
Choose a solution and take control.
Eligible debt may include
Credit CardsLines of CreditUnsecured LoansCollection AccountsPayday LoansUtility Accounts
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“I finally feel like I can breathe again.
One payment, less stress, and a clear plan forward.”
— Credit Advise Member
★★★★★
This Isn't Another Loan.
Traditional debt consolidation often means applying for more credit. If your credit has already taken a hit, the interest rate you're offered may not actually solve the problem.
A Debt Management Plan may allow participating creditors to reduce or eliminate interest on eligible unsecured debts while combining those payments into one structured repayment plan.
Already a Credit Advise Member?
You're already in the right place. Simply log in and select your debt solution to see the next step available to you.
Not a Member Yet?
Join Credit Advise and unlock more ways to take control of your financial future. Understand your credit, deal with debt and discover better financial options from one platform.
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It's free to explore, and it could be the first step toward a brighter tomorrow.
No obligation. Takes just a few minutes.
Debt Management Plan services are provided by Consolidated Credit Counseling Services of Canada, an independent third-party provider. Debt Management Plan availability, creditor participation, interest reductions, fees, and repayment terms vary by individual and creditor. A 0% interest rate is not guaranteed. Certain secured debts, including mortgages and vehicle loans, generally cannot be included. A Debt Management Plan may be reported to Canadian credit bureaus and may affect your credit profile. Credit Advise does not provide the Debt Management Plan and does not guarantee approval, creditor participation, interest reductions, or specific savings.