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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (17902 reviews)

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4.92

Based on 17,902 reviews, last reviewed 27th May 2026

153050% increase in 5 star reviews

in the past 90 days

1300% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Life saving now out of debt I needed help to get out of debt and Stepchange made that happen, where it was affordable for me and the time frame was not too long, they went over a... Read more Reviewed on: 27th May 2026

Latest lowest rating:

1

Extremely difficult to get to speak to someone at le... Extremely difficult to get to speak to someone at least 90 minutes on hold asked now on four occasion for a debt to be added to my plan but still hasn... Read more Reviewed on: 27th 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 (17902)

Review of the StepChange, Debt advice:

It was absolutely fantastic help from start to finish.

It was absolutely fantastic help from start to finish. It took 8 days in total. I'm sitting here now a lot happier than I was 3 weeks ago. They put me forward (against their recommendation) for a DRO, which was passed 2 weeks ago, and because I have their backing, I have been able to liaise with my creditors a lot easier, and they have actually helped me due to my underlying health issues. Thank you to them all from Stepchange and also Money Wellness (the people who organised my finances and submitted my DRO application) From the bottom of my heart, THANK YOU. They all deserve credit and praise for their hard work. Reviewed on: 24th August 2024

The best company in UK.

Very friendly and very helpful. I'm very happy to work with this company Reviewed on: 28th July 2022

Step Change turned my despair to hope

Like many others before me, despite a lifetime of financial prudence, a couple of years ago I found myself deep in debt. So easy to access new credit, I was rapidly increasing my debts. Citizen Advice recommended I approach Step Change, and after a thorough review with me they proposed a plan, which we negotiated to make it work for me. They put these proposals to my creditors, who agreed, and it is working. Slowly we are reducing the debt, and I can still live a good life. All thanks to Step Change. Reviewed on: 28th July 2022

Amazing !!!

Stepchange has changed my life around. I was severely depressed with my debt. I was advised to call them and I havnt looked back since. Fabulous people and Fabulous service . Always lovely on the end of the phone. What can I say, simply great Reviewed on: 28th July 2022

They sorted out our debts and put them into a single affordable monthly payment.

Very helpful and friendly service. Always on the customers side and ready with lots of options to sort out any problems. Reviewed on: 28th July 2022

Gave me hope.

Fantastic counsellors who helped me find my feet and gave me hope Reviewed on: 28th July 2022

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

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