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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18627 reviews)

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4.92

Based on 18,627 reviews, last reviewed 15th Jun 2026

187700% increase in 5 star reviews

in the past 90 days

1500% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Saving Grace that is actually there to help. Disaster happened, panic set in, many creditors all with pending payments and not enough money coming in any more to pay them... One day to breathe an... Read more Reviewed on: 15th June 2026

Latest lowest rating:

1

WOULD NOT RECOMMEND Very poor level of service. I haven't had a reply to an email or chase ups for almost 2 months. They have said they haven't received payments when the... Read more Reviewed on: 10th June 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 (18627)

Review of the StepChange, Debt advice:

I was a nervous wreck with debts piling up after bei...

I was a nervous wreck with debts piling up after being made redundant. Stepchange was recommended by a family member and it was the best thing I ever did. They talked me through everything and set up a manageable payment scheme. Reviewed on: 19th May 2024

Wonderful

Always very professional and the website is easy to navigate Reviewed on: 1st May 2024

I was in deep despair over my debt feeling embarrass...

I was in deep despair over my debt feeling embarrassed and a failure despite working 2 jobs trying to keep my head about water. I finally got the courage and after a non judgmental conversation over the phone, they set me up with a debt management plan. One that was realistic and affordable. I have paid just over half of my debt back which is a massive achievement and I will continue with this until it has been paid in full. The benefit of using StepChange is that they gelp you set up a monthly budget will leads to becoming debt free. I would definitely recommend StepChange to anyone with financial issues. They have given me a new lease of life. Reviewed on: 1st May 2024

Reaching out to step change was possible one the mos...

Reaching out to step change was possible one the most important decisions we’ve ever made. Not only did they help us get our finances under control after Covid ripped out business apart but were now in a position where we will be debt free this year. That alone has potentially saved us thousands of pounds and credit issues. If your in trouble call them and let them help you. Reviewed on: 1st May 2024

When They Come For You, StepChange Is Your Shield

My partner fell seriously ill two years ago and we fell into debt as a result. It feels very lonely when you are having to deal with the banks and you dread every letter through the letterbox. StepChange helped us to work out an affordable repayment schedule and then contacted our creditors, more or less telling them what we could safely afford to repy. The relief of knowing we are paying back on our terms and that StepChange is a buffer between us and tehm is palpable. We still get the automated letters from our bank but we simply pass them along and think no more about it. Customer Service is always sympathetic and helpful and you never get the feeling that you are being judged. Thery appreciate - and will be the first to affirm - that life can somply sometimes be rough and that their job is to help make it a little less frightening, overwhelming and difficult. Reviewed on: 1st May 2024

Brilliant from start to finish.

Brilliant from start to finish. Any problems or queries were dealt with immediately. Very reassuring and felt at ease discussing my debts. Was not made to feel anything was an issue. The process was clear and precise. Would definitely recommend Stepchange. Reviewed on: 1st May 2024

Best change I ever made

I was in a hole and didn’t know what to do with all of the debt that I had. Step change took over and now the stress and worry has gone. One affordable monthly payment and no debt collectors chasing me. Reviewed on: 1st May 2024

Great helpful service.

Great helpful service. Really helped me to stop stressing about my debts. Reviewed on: 1st May 2024

We have been in contact with Stepchange since they w...

We have been in contact with Stepchange since they were Credit Counselling. It has been a long slow road for us to become debt. free and, although we're not there yet, we can finally see an end in sight. They are very helpful and calm in times when you exactly need that support. Reviewed on: 1st May 2024

When my cognitive function became restricted due to...

When my cognitive function became restricted due to a psychological breakdown I was left in the embarrassing position of being unable to work. Worse still, my ability to orate to a standard I had become used to had dissipated and I was in the midst of a crisis. Stepchange helped me control my finances when I became unable to do so, for this, I am eternally grateful. Reviewed on: 1st May 2024

Credit card debt

I was swamped with credit card debt, had my head firmly in the sand, i was scared everytime the phone rang and could not keep up with my payments. I found step change and have been able to condense everything into 1 monthly payment and I can see my debt reducing. I will be debt free in 9 months for the first time as an adult because of step change and it wasn't scary! Reviewed on: 1st May 2024

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