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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.95 (14720 reviews)

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4.95

Based on 14,720 reviews, last reviewed 16th Apr 2026

25% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Amazing service Stepchange have been amazing help. Debt advice plan in place amazing customer service Reviewed on: 16th April 2026

Latest lowest rating:

2

My payments are not aligned with the date required b... My payments are not aligned with the date required by the credit card which cased major attention on my credit rating report Reviewed on: 23rd June 2025

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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.

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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 (14720)

Could not of done this without there help.

I had huge debts of over 35K credit cards etc and felt my debts were never reducing despite paying them. StepChange were recommended to me by my friend. I found the staff to be so helpful and explaining the services. All professional and brilliant service I am nearly debt free only few months to go. Thanks for getting my life back Reviewed on: 18th June 2021

Really helpful company

StepChange for were very helpful and very understanding even though I felt quite embarrassed I got myself in so much debt know that I'm coming towards the end of my debt I still feel that they are one of the most friendliest companies out there so I still have a pet hate of NatWest Bank It's took me a very good way of how to budget properly I even managed to save money at the end of the month Reviewed on: 18th June 2021

Helpful, patient, understanding staff.

Helpful, patient, understanding staff, efficient and knowledgeable in various debt management tips and tools. They tailored their help to me perfectly. Communication with StepChange always left me feeling lighter, more positive and more in control. Reviewed on: 18th June 2021

ms

so far so good really kind and helpful Reviewed on: 18th June 2021

Always helpfull

If ever I am worried about payments or get any letters they are there for you at step change they do not judge you and make you feel small are always friendly and although they can't make the decision for you always give good advice Reviewed on: 18th June 2021

Helpful

Only been with them a few months and they have helped me pay my debts back that I couldn't do, really helpful Reviewed on: 18th June 2021

The best team ever!

The best people, that genuinely want to help and make a difference to people’s lives. Thanks again team x Reviewed on: 18th June 2021

StepChange is a lifesaver

I got the wonderful news I was pregnant after experiencing 2 miscarriages and this should have been the happiest news of my life but I was focused on how I would pay my debts. I had been self-employed for a while and had just landed a contract during the end of the first pandemic so was eligible for any support from my employer: Thankful, StepChange helped me organise my income and got me onto a debt management plan so that I could put my energy towards preparing for my little one. They’ve given me the security I needed to feel safe during this time by liaising with my creditors. The staff are always so friendly and honest. Thank you StepChange! From, A happy customer. Reviewed on: 18th June 2021

Supportive, reassuring, life changing

After losing my job I was faced with unaffordable debt and my home being at risk. Thanks to the incredible support and advice from Step Change, I’ve been able to continue paying off my debt at an affordable rate. They’ve been superb. Reviewed on: 18th June 2021

This wonderful caring problem solving company saved my life literally

Had the letters written out to children . Tablets ready . Note to pin on door to ring Police Do not Enter . My son came home early he just had a feeling to go home . Lots of emotion he immediately rang Stepchange . What had set me off that particular day . A letter from a credit card company after I had asked them to freeze the interest or reduce it the letter stated they were going to put it up to 68% yet I had never missed a payment . I had other debts mainly from paying for private Neurophysiotherapy to try to walk again after being paralysed during a Breast Cancer Op . Surgeons temper at not being able to do it his way . He flipped me too fast and I fell down side of table still attached to breathing tube . From 8/10/2008 I was paralysed on my own with a young family to manage . I was 42 . This day in 2017 I had used all my DLA living Allowance every month to pay one card then use that one to pay another . There was no escape . I felt worthless and a burden and so so tired of checking a bank Account maybe 3 times a day whilst laying flat in bed panicking . I’m only saying this for you to realise the depths of despair I had sunk to . I cried throughout the conversation with Matt from Stepchange. He had the patience of a Saint .He promised a so,Union would be found after going through the first basic details . I also acknowledged this was my debt but they weren’t playing fair these credit card companies. I had written to them to say I had been diagnosed as a high risk suicude meant nothing to them . That night I slept . Even usually with Morphine and Fentanyl and anti anxiety and sleeping tablets I had Insomnia for years until that night . I am here . I am alive . My first words every day are Thank you Stepchange . For enabling me to see my Grandson grow these past few years I have never missed a payment . I have increased the payment amount every year by getting better deals . All the staff I dealt with mainly by email helped me, explained computer generated letters and said refer anything to them to deal with . They realised how fragile I was clinging on . I can only say a Thank you which seems inadequate but also to spread the word . I thought I wouldn’t be able to do this review but it makes me realise how far I have come and what fantastic help they give so many people desperate to be listened to. Reviewed on: 18th June 2021

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