Master your money.
Start with a bonus.
Sunny Credit is a financial education membership — real courses, real budgeting tools, and a cashback welcome bonus on every plan, sent the same day by Interac e-Transfer.
Not a loan. No interest, no debt, no credit bureau inquiry. All pricing shown upfront.
- Full course library — 5 modules, 25+ lessons
- Budgeting & credit-health tools
- Easy fixed instalments over 75 days
- Cancel path & terms shown before you sign
Three steps. One sunny morning.
No branches, no paperwork piles, no waiting rooms. The whole thing takes about five minutes.
Pick your plan
Six membership tiers, each with its own welcome bonus and simple fixed instalments. Every dollar is on the table before you commit.
Activate online
Fill in the enrollment form and set up easy fixed instalments by pre-authorized debit. No credit bureau inquiry — ever.
Get your bonus & start learning
Your cashback welcome bonus arrives the same day by Interac e-Transfer, and your course library unlocks immediately.
Pick your sunrise.
Every plan includes the full course library and tools. The difference is the size of your welcome bonus and the membership payment that goes with it.
Starter
Silver
Gold
Platinum
Diamond
Elite
All amounts in CAD. The welcome bonus is a one-time promotional cashback reward tied to your membership subscription — it is not a loan, advance or credit product, and there is no interest and no debt. Membership instalments are collected by pre-authorized debit for the duration of your plan. Full payment schedules, cancellation terms and eligibility are in the Terms & Conditions. Not available in Quebec.
Money skills nobody taught you.
Five self-paced modules, built for real Canadian life — not textbook finance. Access everything from day one, on any device.
Budgeting that sticks
Build a budget you'll actually follow: the 50/30/20 rule, sinking funds, and surviving a variable income.
Understanding credit
How credit scores really work in Canada, reading your bureau report, and building healthy credit habits.
Debt, demystified
Avalanche vs. snowball, negotiating with creditors, and knowing your rights when collectors call.
Saving & emergency funds
TFSAs, high-interest savings, and building a rainy-day fund on any income — even $20 at a time.
Banking & everyday money
Cutting bank fees, spotting scams and phishing, and making Interac, PAD and e-transfers work for you.
New lessons every season
Members vote on what we build next — tax season guides, first-home basics, side-income 101 and more.
Friendly with your money.
Serious about the fine print.
Same-day bonus
Your welcome bonus goes out by Interac e-Transfer the same day your membership is activated. No cheques, no waiting weeks.
No credit bureau inquiry
Enrolling never touches your credit file. Membership approval is not based on a bureau pull — full stop.
Nothing hidden
Bonus amount, payment amount, number of payments, total membership cost — it's all printed on the plan card before you sign.
Membership, not a loan
There's no interest, no debt and no repayment of the bonus. You're subscribing to education and tools, and the bonus is our welcome gift.
Am I eligible?
If you can tick these five boxes, you can be a member before your coffee gets cold.
- 18 years or older
- Canadian resident (all provinces & territories except Quebec)
- Active Canadian bank account in your name
- A recurring source of income
- A valid email and mobile number
Ready when you are.
Five minutes online. Bonus by Interac e-Transfer today. Course library unlocked immediately. Terms shown before you commit to anything.
Activate membershipHear it from people like you.
Real members, real plans, real bonuses — every story from across Canada.
I used the welcome bonus to cover groceries for the month while I caught up on bills. The budgeting module alone was worth it — I finally understand where my money actually goes.
I was skeptical at first — who sends you money up front? But it's real. The $350 landed in my account the same afternoon, and the credit module helped me fix mistakes I didn't even know I was making.
As a single mum, every dollar counts. The debt module taught me the avalanche method and I'm on track to be debt-free a full year earlier than I planned. The bonus was the cherry on top.
I work seasonal construction and my income's all over the place. The budgeting tools for variable income were exactly what I needed. Wish I'd found this years ago.
The e-Transfer arrived before dinner. I put it straight into my TFSA — first real deposit I'd ever made. The saving module walked me through the whole thing step by step.
I'd never had anyone explain how PAD works, or why my bank was charging me $15 a month in fees. Two lessons in and I'd already switched to a no-fee account. Genuinely useful stuff.
Fair questions, straight answers.
Is this a loan?
How fast do I get the welcome bonus?
Will this affect my credit score?
What does the membership actually cost?
How do the payments work?
What do I get access to?
Can I cancel?
Why isn't Sunny Credit available in Quebec?
What are Diamond and Elite?
Who is behind Sunny Credit?
Tomorrow's money habits.
Today's bonus.
Join Sunny Credit in about five minutes and get up to $1,000 cashback, same day.
Activate membership