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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.95 (14717 reviews)

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4.95

Based on 14,717 reviews, last reviewed 30th Mar 2026

71% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Get out of confusion get out I being stuck with heavy debt and was going into it more and more Step change had sorted all creditors by one stop solution and at the money I could a... Read more Reviewed on: 30th March 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 (14717)

Helpful and professional

Step Change for me was an oasis in the desert Reviewed on: 9th July 2020

Fantastic company

Step change has helped me learn and understand debt management. They are all very kind and helpful. I would highly recommend and I do recommend a lot. :) Reviewed on: 9th July 2020

Amazing help

I have been with them for a number of years and they have helped me relax more, give advice and be on the end of a phone if needed. Brilliant service. Reviewed on: 9th July 2020

They were just facntastic at helping me get clear of debt

I liked stepchange a lot. Helpful, practical and non judgemental. It was a very welcome discovery at a time when I really needed help, and I managed to mget out of debt far sooner than I'd orginally expected Reviewed on: 9th July 2020

Understanding and nonjudgmental

We are almost dept free and I can't thank step change enough for there help and support really recommend them Reviewed on: 9th July 2020

Relief

After contacting step change when I had no where to turn. When I thought the world was against me and money matters was ruining my life. To scared to open mail or answer the phone. My life changed. Stepchange Helped me get my finances on track. Paying who needs to be paid and on time. Can’t thank them enough for giving me my life back and getting another step closer to a debt free life. Online help is available and always a helpful voice on the end of the phone when needed. Without stepchange I don’t think I would be here today. So if you have money troubles where you feel sick even when you have been paid. Then get in contact with them. Thank you stelchange for helping me. Reviewed on: 9th July 2020

Support

Help me in a time of need when no other thought me worth the bother i cannot thank them enough Reviewed on: 9th July 2020

A life saving service!

I started to get support from Step Change in November 2019. At that point I was in a real mess financially. I was in a constant cycle of making minimum payments on credit cards, paying more than I could afford on loan payments and living month to month, worrying that I wouldn’t have enough money to pay my bills and put food on the table for my family. The advisors at Step Change are incredibly supportive, very knowledgeable and patient. The advisors reassured me that support was available and things might not be as bad as I had been imagining, my worse fear was losing the house I have worked so hard for. After a few weeks of sorting out creditors, filling in a few forms and making a couple of phone calls I was moved onto a Debt Management Plan (DMP). This means that I now make one monthly affordable payment to Step Change and they distribute the money to my creditors. They also communicate my financial situation to my creditors and have managed to freeze the interest on my credit cards, so the money I pay will now come off my bill, instead of just paying interest. I was in over £40,000 of debt but I now feel optimistic for the future and I hope to be debt free in 5 years. That’s still a long way off, but I’m in such a better position than I was 12 months ago and I will be forever grateful Reviewed on: 9th July 2020

I would concretely recommend for anyone with debt problems

I had depression and anxiety. I feared each month how much I had to pay back my debt creditors having paid so much already but nothing was helping and my debt amount seemed to never go down. In shorter words I was suffocating with managing my debt. So I did some googling and found Stepchange. If ever someone is experiencing the panic of debt I seriously can not reccomend stepchange enough. They answered any time I had a question, without sounding judgemental. When the debt creditors were hounding me, I got emotional because I was trying so hard, stepchange helped me they again without hesitation. Panicing when I had too pay an unexpected lesser payment at the start of my debt management plan because I hadn't had time to build up my budget for unseen expenses, they understood and helped figure out the lesser payment. I love that they figured out how much I could afford to pay from what i pay of other Bill's and called them priority Bill's and expensive my budget for food shop They figured out a way for me to have enough money to not be struggling but also pay my loan. By also advising on where i could save. A year later I have just made my last payment, offically making me debt free! They saved me from the mental prison debt creates. And I cannot thank them enough for there help Reviewed on: 9th July 2020

Excellent Service

My mind was put at rest once I contacted StepChange. Always helpful if you need to talk. Reviewed on: 9th July 2020

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