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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

Outstanding support, prompt, efficient responses, ex...

Outstanding support, prompt, efficient responses, excellent! Sincere thanks. Reviewed on: 6th May 2026

Fantastic advice

I honestly don't know whether I would be without stepchange, they have been so helpful and made my situation a whole lot easier Reviewed on: 6th May 2026

Respectful

Always helpful at giving solutions to problems always spoken to with respect and understanding Reviewed on: 6th May 2026

Stepchange saved my life

Where do I start? I got into significant debt trying to resolve a health issue in the family. We could not get a diagnosis so we went private and it cost an arm and a leg but I did not care. Maxed out my credit card, got a loan to pay it off and then other loans to pay off the debts and lost a source of income. I then had debts I could not manage well and tried looking for a second job to supplement the income and failed to get one. I was at my wits end and did not know what to do and found StepChange online. Through tears I made an appointment, discussed my options and they helped me every step of the way. Improved my mental health, got me back on my feet and eventually started looking to the future. They saved my life because at a point, I had considered ending it all. Words cannot express how grateful I am for the support I received. Thank you does not cover how grateful I am for their support. Reviewed on: 6th May 2026

I was in a very bad place when my spending got out o...

I was in a very bad place when my spending got out of control, due to several emotional and physical factors occurring at the same time. Spending too much became my therapy and I got into debt,so I turned to Stepchange, having heard that they were good. I was not disappointed. Right from the start they were understanding and so helpful. Basically changed my life. Helped me through everything. They were always just a phone call away which was always answered and someone extremely helpful on the other end instead of constant hassle from banks and credit card companies! They sorted out a monthly payment which I could manage. It hasn’t been easy but it is regularly reviewed and I can see the light at the end of the tunnel. In 2 years time I will be debt free. Reviewed on: 6th May 2026

They helped me consolidate my debt through a stressf...

They helped me consolidate my debt through a stressful period. I’m know on my journey back to financial freedom and with their support it has been very helpful. Reviewed on: 6th May 2026

Superb service

Superb, i am in a substantial amount of debt but after getting in touch with step change it has turned my life around. GIve them a fixed monthly sum and they distribute it out to your lenders fairly. NIt had any hassle. Reviewed on: 6th May 2026

Very good guidence

Very good guidence, don't make you feel stupid Reviewed on: 6th May 2026

I was in a desperate situation with debt which was c...

I was in a desperate situation with debt which was causing anxiety and depression. I went on line and found lots of useful information about StepChange and then I took the big move to do something about my situation. It took me several weeks to get the courage to face my debts but it was easy to set up an account with StepChange and meant that I could return to my form over the week to add information. I was kept fully informed via email and StepChange contacted all my creditors for me and set up an affordable payment to each of them monthly. The relief has been enormous and I would encourage everyone in a similar situation to take those first steps to get help. I no longer feel frightened. Thank you so much StepChange. Reviewed on: 6th May 2026

Step change helped me organise my debts into afforda...

Step change helped me organise my debts into affordable payments and helped chip away a steady rate. Very helpful and reassuring. That i recommended it to a friend that was struggling Reviewed on: 6th May 2026

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