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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18664 reviews)

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4.92

Based on 18,664 reviews, last reviewed 15th Jul 2026

126100% 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

Just do it with StepChange StepChange has been helping me bounce back from all my debt obligations. They have given me support, advice ans a lot of encouragement. Reviewed on: 15th 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 (18664)

Review of the StepChange, Debt advice:

I was a nervous wreck with debts piling up after bei...

I was a nervous wreck with debts piling up after being made redundant. Stepchange was recommended by a family member and it was the best thing I ever did. They talked me through everything and set up a manageable payment scheme. Reviewed on: 19th May 2024

They saved my life-literally!

At the age of 51 i was made redundant & for the first time in my life found myself unemployed. After raising my child alone in poorly paid work i had accrued around £30k debt! We lived a frugal lifestyle however i lived in the country & needed a car for work, it would need repairs, that would go on the credit card till the end of the month, then the washing machine or something would break or my daughter would need shoes so it accrued. Working it out over the years the actual total debt minus the snowballing interest was around£7/8k!! I knew i was being made redundant & contacted my creditors to try & arrange a payment freeze or a payment plan until i got on my feet; this was met with a stone wall of i had to default & then they would send debt collectors or bailiffs! I, understandably, was distraught & when my job finally ended, suicidal-luckily one of my creditors mentioned Step change. Step change really did save my life, they explained it all to me & i arranged a DMP once i had a new job three months later the wage was a third of my previous wage so it was going to take me until i was nearly 70 to pay off. Step change kept me reassured when two of the debts were sold to debt collections agencies & they themselves were happy to deal with Step Change. When the bank id been with for 35yrs since i was 16 put the interest up from around £18 a month to almost £100 a month because i was paying less!!, Step change recommended the ombudsmen, i fought the case, lost, appealed & then won & the interest was stopped. They were there on the end of the phone for help & reassurance. Over the past five years, i have retrained & ended up in a fantastic job with an equally fantastic wage, as my wage grew, Step change helped me adjust my budget & pay more every month without leaving my core living expenses short. Last month, o received a bonus at work & made a final payment & now am finally debt free for the very first time in 30yrs! I can honestly say if this service did not exist, i probably wouldn't either as they compassionately helped me out of a black hole i could see no way out of. Reviewed on: 22nd July 2021

Excellent, sympathetic service.

Stepchange are always helpful, non-judgemental and have great empathy with their clients. They take a great weight off one's shoulders Reviewed on: 22nd July 2021

Helpful with excellent customer service

Helped to create a realistic budget for a debt management plan. They informed creditors of proposed affordable payments. They also discussed with me the available options outside of a dmp. Advisors are really helpful and friendly. Reviewed on: 22nd July 2021

Amazing , helped me so much

They made me life easier. Less stress and sorted everything. Reviewed on: 22nd July 2021

Simply amazing service

Words can not describe how much this organisation has helped me.. keep up the good work Reviewed on: 22nd July 2021

You are protected

with Step change debt charity they are always there to help people with debt, You feel very secure even you are trouble with debt ! Always there to listen to your problems and give us straight answer and they reply email straight back. You feel at home!!! Thank you for your kind help Step change !!! Reviewed on: 22nd July 2021

Life changing

After a messy heartbreaking divorce left with unimaginable debts , stepchange allowed me to breath again! Helping me rebuild a new life without pressures of creditors effecting my mental health and family life now as a single mum amazing support , knowledge and confidence from the company I never had any worries with my new financial situation as it was easy to keep updated and gave me so control back Reviewed on: 22nd July 2021

Very well organised brilliant staff

Did not know when I was bombarded with letters from the deters but step change helped me Reviewed on: 22nd July 2021

Without stepchange

Without Stepchange I dread to think where I would be now. From my first contact they help me cope with my debts but also help me out of a deep abyss infact they may have helped save my life. Thankyou so much stepchange. Reviewed on: 22nd July 2021

Amazing and very good company to help poor people

Always when i ring to Step change there not gonna leave me without help, Reviewed on: 22nd July 2021

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