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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

Transformative Advice

items in the post and emails received were becoming more and more stressful; worries were preventing relaxation and normal sleep. Everything turned around when I finally contacted StepChange and they helped with my review and took necessary actions. Reviewed on: 4th June 2026

Highly Recommend. Incredible Service

I highly recommend StepChange as they were incredibly helpful in my hour of need. After informing them of my income and expenditure, they told me what my affordable monthly payment to them would be. They sorted out all the paperwork that was needed and contacted all of my creditors so that I didn’t have to, thus creating less stress and helping my mental health. They were fantastic! If I have a query, I will contact them and everything is resolved. They are amazing. Their website is easy to navigate and changes can be made to reduce or increase your monthly payments, depending on your situation. All debts are in one place and you can check on the outstanding balances and how much you have paid to your creditors. Once a year you submit a new income and expenditure statement and StepChange will calculate your new monthly payment. You can always get in touch with them to discuss any problems or concerns or just to speak to them. They are always available and are very helpful, understanding, supportive and compassionate. I can’t recommend them enough. If you are struggling like I was, please get in touch, it’s a massive weight lifted off your shoulders and you will feel so much better. Also, if any of your creditors change the debt over to another company, i.e debt collection agency, StepChange are informed so you don’t have to worry about anything. I’ve had a couple which I have had to inform StepChange with regards to the new debt company’s bank details but other than that, they will contact StepChange to confirm everything. Nothing changes apart from the new name and bank details. Your monthly payment to them stays the same. When I get these letters, I always check my debt management plan to make sure the new debtor has been set up and a quick phone call to StepChange to confirm that this is in order. If in doubt, just phone them, they will put your mind at ease. Reviewed on: 4th June 2026

I was physically & mentally drained with my debts, i...

I was physically & mentally drained with my debts, i contacted stepchange filled the forms in with what i was paying out & what money i had left to last the rest of the month, a plan was made up to pay my creditors & instantly i felt relieved, without my visit to stepchange i would still be mentally drained, cannot praise them highly enough. Reviewed on: 4th June 2026

It has lifted a huge weight off my shoulders.

It has lifted a huge weight off my shoulders. Worried about debts and collectors coming to my door . Reviewed on: 4th June 2026

Stepchange made my life better, by helping me to pay...

Stepchange made my life better, by helping me to pay my debts at affordable rates. I am no longer depressed because all my debts are now manageable. Reviewed on: 4th June 2026

Great company

Great charity, very friendly and helpful staff, very compassionate and understanding, easy to use portal, with everything easy to access Reviewed on: 4th June 2026

Step change was a great help and are still helping m...

Step change was a great help and are still helping me with my debt management plan and are always a phone call away if I need help. Reviewed on: 4th June 2026

when i felt as if i was sinming, stepchange helped m...

when i felt as if i was sinming, stepchange helped me to balance my mo ney and actually pay my debts off in a structured manner Reviewed on: 4th June 2026

Stepchange

I was struggling with overcommitments to loans and credit cards, but equally terrified of facing up to the full extent of my debt. Stepchange's online guidance helped point me to the best solution- a debt management plan- without judging me. You do need to pull a lot of information together, but you'd have to do this anyway if you're serious about sorting out your finances! Once the application was done, the process was straightforward. Stepchange dealt with pretty much everything (I still had to tell my creditors that I was entering the DMP) and now make monthly affordable payment to my creditors on my behalf. I'm so grateful for the service they provide and the place of mind it has brought me. Reviewed on: 4th June 2026

Stepchange have literally saved my life.

Stepchange have literally saved my life. My mental health isn’t great and resulted in me impulse spending landing me in massive debt. Stepchange were understanding, non judgemental and so supportive. Cannot recommend highly enough. Reviewed on: 4th June 2026

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