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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18666 reviews)

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4.92

Based on 18,665 reviews, last reviewed 16th Jul 2026

75600% increase in 5 star reviews

in the past 90 days

1600% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Escaped my debt with step change help I was so worried about my debt they took all my details and contacted all the people I owed put a payment plan in place this was taken out on the 21/... Read more Reviewed on: 16th July 2026

Latest lowest rating:

1

You can not get in touch over the phone unless it’s... You can not get in touch over the phone unless it’s early morning or you are in luck, meaning it would be time off work to call. When I have got throu... Read more Reviewed on: 22nd 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 (18666)

Review of the StepChange, Debt advice:

Dare to hope,!

I have been very ill with cancer. During my treatments I took my eye off the ball as the saying goes. Was too ill to deal with post and many many calls from people demanding money. I was becoming paranoid about the phone,the postman. Well debts don’t go away I didn’t know where or who to turn to, my life was such a mess, I was even contemplating ending it all. A friend came here and said why don’t we ring Stepchange the debt charity. I had nothing to lose but from that very first call, they made me feel like we can sort this out together and took me through every single step. Every person I spoke with was efficient,nothing was too much trouble, kind and compassionate. Made me feel like perhaps I could live a life. Am not the only person this happens to. Quite a bit of paperwork which I found daunting but even if I was stuck on silly questions I always got a real person to speak with. I can’t praise them high enough Reviewed on: 27th August 2024

My experience of dealing with stepchange is quiet he...

My experience of dealing with stepchange is quiet helpful and i can in touch with them quiet quickly to deal with my enquiry Reviewed on: 5th June 2026

Very easy process from start to finish, had a couple...

Very easy process from start to finish, had a couple hiccups moving from a different dmp provider but stepchange helped with everything Reviewed on: 5th June 2026

Very helpful,I did put off calling because I was wor...

Very helpful,I did put off calling because I was worried but Stepchange completely put my mind d to rest Reviewed on: 5th June 2026

Really helpful & knowledgeable & caring.

Really helpful & knowledgeable & caring. Reviewed on: 5th June 2026

Excellent, understanding and helpful staff.

Excellent, understanding and helpful staff. 5 stars Reviewed on: 5th June 2026

Just do it. Be kind to yourself

Non-judgmental, friendly, compassionate and supportive. StepChange has taken a huge weight from me after a two year period of ill health left me struggling to manage. I highly recommend calling them. The website is user friendly and whilst the phone lines are busy, this in itself was reassuring as it helped to know I wasn’t alone. Great organisation. Reviewed on: 4th June 2026

Wonderful people at Stepchange.

Quite simply, my life would have been so different had I not found Step change. I went from despair and anxiety about paying my debts to calm, clarity and hope for the future because of the help and understanding I received from Step change. I can't thank these wonderful people enough. Reviewed on: 4th June 2026

If you're in debt reach out to StepChange

When I realised my debt had got completely out of hand, I panicked. The interest alone was costing me over £250 a month on top of my repayments, and I couldn't see any realistic way of paying it back without help. I had got myself into a situation that I couldn't get out of, and for a while, I couldn't see a way forward. My anxiety skyrocketed, and I could no longer stay in denial about the problem. I felt angry and disappointed in myself for allowing things to get to that point. My mental health suffered badly. I was depressed, and I didn't want to leave the house because I simply couldn't afford to. Eventually, I opened up to a friend about what I was going through. She calmly suggested that I speak to StepChange. Through her work, she had experience of the support they provide and reassured me that they were friendly, professional and understanding. I visited the website, followed the guidance and completed the forms. They responded quickly, and for the first time in a long time I felt hopeful. The relief was overwhelming. It genuinely felt like the sun had come out again and that there was finally a way out of the mess I had found myself in. I provided details of all my debts, my income and my monthly budget. StepChange helped me work out an affordable monthly payment and contacted my creditors on my behalf. They did so much of the heavy lifting for me at a time when I felt completely overwhelmed. They also gave me advice about freezing interest and charges, which gave me some breathing space and allowed me to focus on getting my life back on track. Looking for debt advice can be terrifying. There are so many worries and questions running through your mind, whether you'll be judged, whether you'll be scammed, or whether you'll somehow end up paying even more. If you're struggling financially, I would encourage you to look into getting help. Reaching out to StepChange was one of the best decisions I've made. Repaying debt isn't easy, but I've adjusted to living within a budget. I owed over £17,500, and StepChange arranged a Debt Management Plan with affordable repayments of around £400 per month. I am incredibly grateful for the support, guidance and kindness they have shown throughout the process. I'm now two years into a three-year Debt Management Plan, and this time next year I will be debt free. Looking back, I'm so thankful that I asked for help when I did. I honestly don't know where I would be without this charity. If you or someone you know is struggling with debt, please don't suffer in silence. Help is available, and things can get better. Reviewed on: 4th June 2026

Life changing

Supportive, friendly and reassuring . Changed my life in such a positive way. Reviewed on: 4th June 2026

Change your life Use StepChange to be rid of your debt

I can not believe something that StepChange exists. They helped me so much without blame, there was no judgement, I did not feel shamed in anyway. I was so supported. I was allowed to speak openly and honestly about my debt. It was such a relief that someone understood. StepChange helped me set out how I was to pay back my debt in a way that I could afford. I have nearly paid my debt of £25K. I can't thank StepChange enough. If you have debt, I urge you to contact StepChange. StepChange is a charity and they do NOT charge payment for thier help and advice. They are absolutely brilliant. Five stars from me - all the way. Reviewed on: 4th June 2026

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