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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.95 (16626 reviews)

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4.95

Based on 16,626 reviews, last reviewed 11th May 2026

91950% increase in 5 star reviews

in the past 90 days

900% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

StepChange helped negotiating reduced payment terms StepChange reduced the complicated process of dealing with four creditors ... Each creditor operated in different ways when agreeing reduced payment t... Read more Reviewed on: 11th May 2026

Latest lowest rating:

2

Wouldn't recommend The customer service team I find to be very slow in responding, and I have sometimes had to send the same information a few times as they have clearly... Read more Reviewed on: 9th May 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 (16626)

Review of the StepChange, Debt advice:

Supportive and Caring

Stepchange is the understanding, none criticising option for anyone who has unfortunately fell into debt I would sure recommend them. Reviewed on: 3rd August 2021

Best decision i have ever made.

I honestly can’t thank StepChange Debt Charity enough for the support they’ve given me during one of the most stressful times in my life. From the very first contact, I was treated with kindness, respect, and absolutely no judgement. Talking about debt can feel overwhelming and embarrassing, but they immediately put me at ease and made everything feel manageable. They took the time to clearly explain all my options and helped me set up a plan that actually worked for my situation. Knowing I had a structured, realistic way forward lifted a huge weight off my shoulders. Their ongoing support and regular reviews have helped me stay on track and feel in control again. What really stood out was how compassionate and understanding the advisors are – you genuinely feel like they care about helping you, not just processing a case. Thanks to StepChange, I’ve gone from feeling completely stuck and anxious to feeling hopeful and confident about my financial future. I would highly recommend them to anyone struggling with debt – reaching out was the best decision I made. Reviewed on: 6th May 2026

I would definitely recommend StepChange.

The advisors were very helpful and understanding of my situation, and talked me through every step from start to finish. The application process was pretty simple, much easier and more painless than I had been expecting and I had an offer in a matter of a couple of weeks. If I need to make tweaks to my budget I can do so easily, and I am able to make extra payments as and when I can. Getting a DMP will affect your credit rating for about 6 years and potentially your ability to get credit in the future, but it beats insolvency and bankruptcy. The only real drawback I have found is that they aim to get back to you within a week when you reach out by email, but you can find phone numbers instead if it's urgent. If you're having issues with debt, I would definitely recommend StepChange. I just wish I'd done it sooner. Reviewed on: 6th May 2026

Think support, Think Step change!

Very helpful across the board! I think what stood out most for me was the way they communicated with their sister company Business Debt line who were also brilliant communicators. Would not hesitate to recommend them to anyone in need. Reviewed on: 6th May 2026

Smooth process,I was worried that it would drag but...

Smooth process,I was worried that it would drag but thankfully it went smoothly Reviewed on: 6th May 2026

A supportive company, at a difficult point in my life.

At a very difficult time in my life, the people at StepChnage really helped my and continue to support me. Reviewed on: 6th May 2026

They take the weight off your shoulders

Very helpful service. Polite and caring staff. Reviewed on: 6th May 2026

Step change listen to you

They have helped me alot and sometimes you are stugging to pay they are there to listen and it means alot Reviewed on: 6th May 2026

A life saver.

A life saver. So nice to deal with. Non Judgmental and came up with thye best solution for my needs Reviewed on: 6th May 2026

Great experience always helping hand

Great experience always helping hand Reviewed on: 6th May 2026

Brilliant, understanding and there for you.

From the initial call to the maintenance of my plan, StepChange are outstanding. Kind, calm and understanding - just what you need when you're trying to sort yourself out and may feel really embarrassed. The service not costing is an added bonus as some companies charge a fee to help you which takes money from what you can afford therefore lengthening the plan. It's vital to keep the plan up to date and if you're struggling then be truthful. The hassle from creditors stopped, the relief and safety knowing that everything is taken care of and done properly. Brilliant! Reviewed on: 6th May 2026

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