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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18640 reviews)

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4.92

Based on 18,640 reviews, last reviewed 21st Jun 2026

376800% increase in 5 star reviews

in the past 90 days

1500% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

I don't know what I would do without step change. I don't know what I would do without step change. They have been very supportive over difficult times. Reviewed on: 21st June 2026

Latest lowest rating:

1

WOULD NOT RECOMMEND Very poor level of service. I haven't had a reply to an email or chase ups for almost 2 months. They have said they haven't received payments when the... Read more Reviewed on: 10th 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 (18640)

Review of the StepChange, Debt advice:

Retaking control

You've come to the end of your tether, swamped by red letters and final notices. So phone StepChange - one of the best half hours of your life. They sort out what you spend on what, what you owe, what you can afford to pay back after allowances are made for the amount you need to live on. Then they sort out the repayments (through them) and companies listen to them whereas they wouldn't listen to you, because they have standing. And the best bit (apart from the relief of finally doing something positive about things) is that they're a charity and won't charge you a penny. Reviewed on: 23rd April 2017

Started using step change in 2018 they are fantastic...

Started using step change in 2018 they are fantastic at what they do highly recommended Reviewed on: 27th May 2026

They are very helpful, they listen and give you all...

They are very helpful, they listen and give you all available options. Reviewed on: 27th May 2026

Don’t just agree (IVA), there is little help afterwards

I provided my income and expenditure and was informed that an IVA but best suit myself. The amount I could afford to repay was generated; however as a creditor would not agree and requested a further amount (in excess of £100 extra) I was forced to say yes and agree, knowing that I still would struggle as the reductions I was asked to make were mainly food shopping. Since the IVA has been in place, my food bill has increased as has the cost of fixing my car which is needed to travel to work, along with household bills, my rent has gone up by £150 per month, I notified StepChange of these increases as I was already struggling, StepChange decreased the amount I was paying ably around £80 per month, although this does not go anywhere to help me per month. I am still struggling to live and eat. The IVA is not helping me per month and I feel that I can not make contact to inform due to the way I was pressured into accepting the additional payment in the first place and then such a small decrease when I had no other choice but to raise the fact my bills and rent had increased. Although I now do not have creditors chasing me, I am no way financially better off, I feel trapped and constantly my scared by bills increasing and not eating enough, in order to try and save and make up the difference for the repayment. Reviewed on: 27th May 2026

My debts was getting out of control and was struggli...

My debts was getting out of control and was struggling paying back to lenders. StepChange made it possible to reconcile all debts and pay a small amount that I could afford. Thank you for your help. Reviewed on: 27th May 2026

From the first phonecall I found Step Change amazing...

From the first phonecall I found Step Change amazing to deal with. They are compassionate and understand all about debts. They are thorough anf will give help whenever its needed. I couldn't have deal with my debt and stress without Step Change. Reviewed on: 27th May 2026

Stepchange great service

Stepchange explained the process well and answered all my questions. They also dealt directly with creditors which stopped me receiving letters and emails. They explained the different ways that my debt could be managed and helped me pick the best one. Reviewed on: 27th May 2026

Do it and stick to it.

It was easy to set up and I've stuck to it. Very pleased with amount of debt I have cleared. Reviewed on: 27th May 2026

Very simple, straightforward and easy to set up.

Very simple, straightforward and easy to set up. Website is really helpful and the online account makes tracking things and making changes, really easy. Reviewed on: 27th May 2026

Non judgmental

Really happy with help received, non judgmental and kind Reviewed on: 27th May 2026

They have changed my life

They have changed my life ... they have been brilliant Reviewed on: 27th May 2026

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