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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

Read all reviews See your review

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

Good experience

Setup debt management plan and been able to make payments. When I have had to call about a letter the CSA have always been helpful Reviewed on: 31st July 2022

excellent organisation

in just over a years time I will have cleared all my debts thanks to STEPCHANGE Reviewed on: 31st July 2022

Invaluable Service

When I thought that things were hopeless with my finances Stepchange got everything into perspective. The feeling of relief was tremendous. Reviewed on: 31st July 2022

A friendly, empathetic service

I came to StepChange at a very low point. I was ashamed of the debt I had built up and ashamed that I was failing to manage it on my own. However, StepChange were very compassionate and understanding, and they helped me to get a plan in place to start paying my debts off with monthly payments through a Debt Management Plan. I really appreciated the advisor's attitude, candour and friendly helpful service. I really can't thank StepChange enough and I would encourage anyone struggling with debts to speak to them. Reviewed on: 30th July 2022

Step Change are a life saver

At a time when we were deeply in debt, my husband was in hospital, the creditors were sending letters Step Change gave the assurance they were there to assist. That took a weight off our shoulders knowing we didn't have to deal directly with our creditors. Reviewed on: 30th July 2022

Ability to live again without the constant worries

I unfortunately run up over £25,000 in debt and was at a point that whatever I did I still couldn’t meet the payments. Having nearly lost all hope and was suffering from stress and sleepless nights I finally contacted StepChange who has not only supported me in setting up a debt management plan with my creditors, it provides me with really helpful tips on how to save money but also provide non judgmental advice. This gave me the hope and skills to take ownership of my budget and have set goals each month. I can update my plan at anytime so if circumstances change I don’t have to worry about it. To me StepChange equates to positive health and well-being. Reviewed on: 30th July 2022

Fantastic and so helpful- I cannot recommend enough!

From my first call many years ago to the pending close of my plan later this year, Step Change have always been there. They handle all of the creditors and payments and all you need to do is keep them informed, make a monthly payment and review once a year. I will never forget the relief after contacting them and it has been a journey however they have really helped me clear everything and come out the other side. Reviewed on: 30th July 2022

Excellent non-judgemental support

Everyone I have spoken to is supportive, professional and understanding. Talking about debt is hard and embarrassing the stigma is painful. At Stepchange no one judges you they help you. Reviewed on: 30th July 2022

Debt advice/budgeting

The person I spoke to helped me to revise my budget with realism which allowed me to increase my debt payments. Reviewed on: 30th July 2022

Saved my sanity

I had bank overdraft debt and credit card debts and lost my job and had to take on a lower paid job to keep family together,but I was having real anxiety depression over threats of bailiffs etc. Saw an advert for Step Change and they saved my sanity and family by agreeing a DMP with me and creditors and have now nearly repaid my debts. They have been brilliant ! Reviewed on: 29th July 2022

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