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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18665 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 (18665)

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

Very helpful and helped my mental health challenges with their service

Very helpful and helped my mental health challenges with their service Reviewed on: 5th August 2021

Professional, friendly, helpful staff offering solutions which are recognised by the financial institution which shows your creditors you are being responsible - they are a friend in a crisis!

Friendly, helpful and not judgemental - they helped us find a way forward when things got tricky. They talked though our monthly budget and recognised we were facing difficulties as our income had changed, they supported us to be able to ask our lenders for breathing space (in effect freezing all the interest on our debts and reducing payments to the minimum for a couple of months whilst we found a way forward with Step Change. Then Stepchange spend time with us reviewing our monthly outgoings and income before advising us of our options. When we decided which way to go they set everything up for us. We make 1 payment a month to StepChange and they pay our creditors. I'd advise anyone facing difficulty in meeting repayments (or maybe not spending on basics to pay debts or taking out more debt to pay existing debt) to get in touch. They are kind, approachable, they listen without judgement and they offer good clear advise and a range of solutions. Reviewed on: 5th August 2021

Life saver

Without the support of Stepchange I would have taken my own life! They listen to my crying and help me continue to pay my debt back hassle free Reviewed on: 5th August 2021

Endless support

I had a very bad experience with an ex leaving me in a lot of debt and when I called step change, they supported me straightaway. They listened to me cry and tell me story without judgement and offered a solution to what I thought wasn’t available. I can’t thank them enough for the frequent contact and genuine care given. So thank you to all the lovely customer care team whom showed me kindness and support. Reviewed on: 5th August 2021

Peace of mind

Step change have helped me so much in managing my debts in a highly professional and friendly way . I don’t think I could have survived without their help and advise . They give you the peace of mind to enable you to carry on with your life without the worries of debt being a thorn in your side . Reviewed on: 5th August 2021

Quality and reassuring service every step of the way

You approach a company like step change because you are in trouble, and you need help. It is always a nerve wracking process. You are scared you will be judged or the person on the other end of the phone won't care. But the team at StepChange just put you at ease and make everything so easy. Their website and tools are so easy to use, and I now anytime someone tells me they have debt problems, "StepChange" is always the first thing to come out of my mouth. I owe these guys a lot, they helped me through a hard time and helped get me back on my feet. <3 Thanks guys! Reviewed on: 5th August 2021

Responses are quick and timely; advice is perfect for my situation

I had to stop work unexpectedly in order to care for my wife full time. This left me with a lot of debt on credit cards and loans. StepChange have helped me enormously through these difficulties and I don't know how we would have coped without their intervention and constant support Reviewed on: 5th August 2021

Brilliant and helped me

Debt issues and they have been fantastic Reviewed on: 5th August 2021

Help when I felt alone

Following maternity leave I was feeling overwhelmed with debt repayments due to reduced wages, step change gave me support and advise and helped me create a plan of debt management before it became too difficult to manage and I can’t thank them enough for the non judgemental support I received from step change !! Reviewed on: 5th August 2021

Always there to help every step of the way

When i need help with my finances after a divorce they helped me with all my payments and put it in to something i could afford. Reviewed on: 5th August 2021

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