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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (16837 reviews)

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4.92

Based on 16,837 reviews, last reviewed 22nd May 2026

102050% increase in 5 star reviews

in the past 90 days

900% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Life changing Contacting Step change changed my life since i signed up all the stress went and now I am working towards paying everything off. I would so recommend ... Read more Reviewed on: 22nd May 2026

Latest lowest rating:

2

Wouldn't recommend The customer service team I find to be very slow in responding, and I have sometimes had to send the same information a few times as they have clearly... Read more Reviewed on: 9th May 2026

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About this product

StepChange offer free and impartial advice to people who want to be free of debt.

The StepChange team will take time to understand your situation and then give you tailored advice based on your circumstances. StepChange can support you through a wide range of debt solutions including debt management plans and IVAs.

StepChange debt advice reviews help you find out what it’s really like to be a customer. If you’ve used StepChange before, you can also leave a review and share your experience.

Awards

Company of the year 2025

Awarded to the consumer credit company rated highest in customer reviews.
Best financial support provider 2025

Awarded to the financial support provider rated highest in customer reviews.

StepChange Debt advice reviews (16837)

Review of the StepChange, Debt advice:

A friend told me about step change I was so worried...

A friend told me about step change I was so worried about my dept paying out more than I could I wouldn't no what I would of done without there help its Excellent service allows me to carry on without that worry . Reviewed on: 27th May 2025

Stopped me losing my mind

Id tried to manage my debt but the anxiety continued to rise. I was unable to switch to no interest credit cards and so paying a lot of interest. Each month I felt dragged down further into the black mud, my mental health was suffering. I contacted Stepchange and found the non judgement and practical assistance to set up a debt management plan unbelievable. The reduction in pressure for the companies to agree to an arrangement I feel saved my life. I have upheld the arrangement religiously, sometimes its difficult but I know there is light at the end of the tunnel. I also know that again without judgement I can contact Stepchange to renegotiate payments if my budget is too stretched with the increase in cost of living. Reviewed on: 28th July 2022

A lifeline when needed!

We had been let down in our business by 2 companies that owed us £30,000, and when we went to sell the business, ostensibly to pay off our mortgage, we had 3 interested parties,, but it came to no avail. My wife did some research and StepChange came to our rescue. There was no 'blame naming', just friendly, helpul advice. A great company. Reviewed on: 28th July 2022

Saved my life?

I was getting desperate about my situation some years ago. I had gotten myself in serious debt and didn't know what to do as my bank at that time couldn't or wouldn't help me. I was having dark thoughts due to this and suffering with depression. I was put in touch with Stepchange. They were amazing. They helped me to feel hopeful again and to stop feeling guilty about my debt situation. I am now nearly debt free and by this time next year my debt management plan will be finished, thanks to Stepchange. They have helped and guided me all through the plan and I cannot fault their service. Kind, considerate and helpful. And yes, they may have saved my life! Thank you Stepchange. Reviewed on: 28th July 2022

Always help no matter what

Whenever you’re having a rough month, feeling low about bills, worrying about the plan and if I can pay on time, they always have options for you, puts you at ease and feel so much better talking to them over the phone, they’re very sympathetic and never judge you. I just had a baby and maternity pay isn’t great so I had a review and feel they really understood my circumstances and still get to enjoy time with my son on a low income. Reviewed on: 28th July 2022

Support when you need it

I am forever grateful to Stepchange for providing support and advice when I most needed it. Reviewed on: 28th July 2022

They saved our sanity .

We had large debt problems with credit cards,they have supported us to pay what we can afford monthly by budgeting.We are now seeing the light at the end of a very long tunnel.We couldn’t have made progress without them. Reviewed on: 28th July 2022

I was getting into a large spiral of debt driven by credit cards. It was hard to pick up the phone but once these guys worked through the problem with me. Took a lot of stress off

Also helpful and very responsive. Reviewed on: 28th July 2022

Absolute life savers

I approached StepChange when overwhelmed with debt, not knowing how to manage it and the stress that came with it. At no point during the setup process did I feel chastised or made to feel bad for my debt, which in itself was such a relief. I’ve been with them now for 2 years and I’m nearly at the point of clearing off my debt, the thought of which brings me hope and excitement that I never would have dreamed of having before. Reviewed on: 28th July 2022

Outstanding

Our life was spun upside down when my Husband owned up to his gambling disorder in 2018. We were close to losing our house! But Stepchange were there for us, every step of the way! They helped us budget our money along with communicating with all our creditors - this took all the stress and anxiety away from us. Thank you, Stepchange. You have changed our lives! Reviewed on: 28th July 2022

Supportive, understanding and helpful

Everytime I ring up to discuss my worries about my finances, I feel supported listened to and I know the advice they give me is relevant and accurate. Reviewed on: 28th July 2022

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