Release a
New Zealander, like Sia, from poverty

“It was the debt. And I hated it. Is this it? Is this life?” – Sia

$1.50 a day (=$10.50 a week or $46 a month) is what it takes to release each person in a household from poverty.

Sia, a mother of four, recalls having nothing in the cupboard before calling CAP.

“I would go looking for coins between chairs, just so we could get some bread.”

“I would tackle a bill and another would pop up. I was at a point where I didn’t want to be here. It was depressing.”

She reached out to CAP’s free Debt Help service. The moment her Debt Coach visited her home, a weight lifted.

“Finally – someone’s here to help me! She took a huge weight off me.”

Right now, people are calling CAP, drowning in debt.

Your donation of $1.50 a day (= $10.50 a week or $46 a month) is what it takes to release each precious person in a household from poverty.  

 Online donations are powered by Pushpay and are secure. 

Another way to give: via bank transfer or phone

Your donation provides essential help. A CAP first responder will take their call, plus a Debt Coach from a local church will visit their home – meaning there’s no barriers to help. Empty cupboards will be filled with food, if needed.


Empty cupboards are filled with food, if needed

CAP’s approach is proven to work

    • Because CAP partners with 48 churches from Kaitaia to Dunedin, people like Sia are connected with a community who care
    • Prayer/karakia is offered — inviting God’s peace into the ups & downs of life

      “I started feeling happier, like I was full. When I was with CAP, I had people that had my back, who believed in me.”

    • A CAP specialist team goes into bat with money lenders to get unfair interest and fees wiped.
    • A customised budget prioritises essentials like rent/food
    • CAP empowers people to repay their debt using their own income. CAP never pays a dollar of their debt. It’s the clients who do the hard work
    • Got questions? Check our FAQs

Read inspiring stories of  CAP clients on

Releasing New Zealanders from poverty, from Kaitaia to Dunedin.

When you start a regular gift of $1.50 a day — the equivalent of $10.50 a week or $46 a month — you’ll enable another New Zealander, like Sia, to start discovering life in all its fullness.

 Online donations are powered by Pushpay & are secure. 

Another way to give: via bank transfer or phone

Create a generational impact. As Sia journeyed with CAP she started sharing her new money wisdom with her children:

“I’m teaching my children better money principles. I hope that what I’ve learned, they will be able to pick it up and do it for their families.”

Meeting complex needs in local communities

Unmanageable debt impacts more than just financial wellbeing. It also affects taha whānau (family relationships), taha hinengaro (mental and emotional health), taha tinana (physical health), and taha wairua (spiritual health).

CAP’s long-term practical help takes a whole-of-person approach, including sharing that there is a God who loves and values every single one of us.

people released from hardship – now debt free!

CAP’s social impact has been independently assessed by Impact Lab (2020).  Every $1 you donate to CAP Debt Help multiplies to $4.90 worth of social good to Aotearoa.

This measurable good includes ‘improved mental health’, ‘improved partner relationships’, ‘spiritual wellbeing’, ‘improved physical health and food choices’ and a ‘reduced need for emergency benefits’.

    Start a regular gift

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    MILLION dollars in unmanageable debt and bills repaid or written off


    people using CAP Debt Help say it's 'life-transforming' or 'a great help'


    of people stay free from unmanageable debt two years after going debt-free

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