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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18663 reviews)

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4.92

Based on 18,663 reviews, last reviewed 12th Jul 2026

126067% 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

Best thing I done to help me with my finances. When I first got in touch with step change I was a bit worried about it. A lot of questions were asked about my finances but the person I spoke to was... Read more Reviewed on: 12th 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 (18663)

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

Financial Saviours

I was in a really dark place with addiction and they helped me sort the financial situation which in turn allowed me to concentrate on recovery Reviewed on: 27th May 2026

Peace of mind

Although managing the debt is still difficult, having someone take charge and organise the payments has taken away the sleepless nights. Reviewed on: 27th May 2026

Need Better Support for Disabled People

It was a very rocky start, very frustrating and extremely stressful on top of an already awful situation. I am disabled, phone calls are physically and mentally challenging for me. StepChange is very limited when it comes to accommodating disabilities, but also just acknowledging them. When submitting my budget it took multiple weeks to get through because someone kept flagging the low amount budgeted for food. Having no income and a disability that means you can’t cook or wash up really does limit what you can eat. I was put in a position where I had to explain that multiple times and only when I submitted a formal complaint did my case progress. Months had passed and this caused further stress as my debt then passed hands, further delays. However, once the ball finally got rolling and a plan set up, it was a much better experience. Dealing with the Settlements team was a breeze, they were more accommodating to my disability. I do recommend StepChange however it’s my opinion that further support needs to be considered for disabled customers, especially as they are at a significantly higher risk. Reviewed on: 27th May 2026

A great organisation

Stephanie helped us when we were under a great deal of pressure due to debt. They sorted our repayments to suit our budge Reviewed on: 27th May 2026

Customer service review

I have been with step change for a couple of years now, cannot fault anything, whenever I have needed to speak to anyone they have always been helpful, considerate and very helpful Reviewed on: 27th May 2026

Check them first

Found it very helpful, helps to clear debts over agreed time space with peace of mind. Reviewed on: 27th May 2026

Highly recommend

Step change have been extremely supportive and non judgemental Reviewed on: 27th May 2026

Excellent help

To me step change was a life saver, I was in dept with no way of seeing a way out and step change changed all that with the help and advice on what to do, I can now see a light at the end of the tunnel Reviewed on: 27th May 2026

Stepchange gave me breathing space.

I had lost my job as a supply teacher due to poor mental health and disability. My debts spiralled out of control as my finances were reduced to £75 per week. My mental health suffered greatly and I buried my head in the sand, avoided phone calls and the mountain of letters asking for money. Stepchange was actually suggested by one of my credit card companies. It changed my life. No more harassment for money that I could no longer earn, I could breathe for the 1st time in months. The process was simple, and online, which helped me deal with my shame of owing money. Reviewed on: 27th May 2026

A very valuables team of competent people

I have now been with StepChange assistance and advice for over 2 years. I have been treated very well and reassured in all my time with them. I know that if I have questions or issues I can contact them quickly and efficiently. Thank you Reviewed on: 27th May 2026

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