Flo Finance helps Canadians reduce debt stress with Debt Management Plans that cut interest to 0–7%, consolidate payments, and stop collection calls — without bankruptcy.
From credit cards to tax debt and payday loans, our certified counsellors have seen it all — and helped Canadians get through it.
Use our calculators to understand your debt, see your savings potential, and take the next step with confidence.
"I was drowning in $42,000 of credit card debt. Flo Finance set me up with a DMP that cut my interest to 0%. I'll be debt-free in 48 months."
"The free consultation was completely judgment-free. They laid out every option honestly. I wish I'd called six months earlier."
"Their online portal makes it so easy to track my progress. Watching that debt balance drop every month keeps me motivated."
"Flo Finance worked with all my creditors and got my interest reduced. My monthly payment went from $1,100 to $380."
"As a single mom I felt so ashamed about my debt. The counsellor made me feel like a person, not a file number."
"I tried two other debt companies first. Neither came close to the transparency and results Flo Finance delivered."
No obligation. No judgment. Just a clear picture of your options from a certified credit counsellor.