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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18673 reviews)

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4.92

Based on 18,673 reviews, last reviewed 9th Aug 2026

3% increase in 5 star reviews

in the past 90 days

22% decrease in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Take the step to change Im an older lady who through illness fell behind with debts. Ended up so worried and frightened with being unwell and not being able to pay. I had a b... Read more Reviewed on: 9th August 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 (18673)

Review of the StepChange, Debt advice:

Amazing .... Thank You

I believe Step Change saved me. I was struggling to keep my head above water and there seemed to be no way out but Stepchange helped me so much. If your struggling then please make contact with them. Reviewed on: 24th May 2025

Helped me when I was at my lowest ebb

I was at rock bottom regards my debt and step change have help me get a grip of my finances and made me realise I can pay them off and have a brighter future Reviewed on: 22nd July 2021

Life savers.

These people gave me a new lease on life. Reviewed on: 22nd July 2021

Life saving, literally

I was contemplating suicide before contacting Step Change. After 45 minutes I felt like the weight of the world had been lifted from my shoulders. Thank you. Reviewed on: 22nd July 2021

A fantastic service that helped turn my life around

I reached out to Step Change when my life reached rock bottom following years of depression and gradually descent into debt. The weight that I felt lift off my shoulders after they took over dealing with those I owed money too was what gave me the strength to carry on. Almost eight years on I will soon be debt free and I am already looking ahead to a new start. Every one I have ever spoke to has had compassion, knowledge and patience, however long it took to deal with my issues. I can not recommend them highly enough. Reviewed on: 22nd July 2021

Help in times of trouble

Sensitive call handlers, knowledgeable debt advisors all equals a professional essential service for those in the spiral of debt. StepChange provides a way through! Reviewed on: 22nd July 2021

Caring company

A fair caring and fair company who help and listen to you . And help you with problems that you have to face. Reviewed on: 22nd July 2021

They are simply brilliant

Some three years ago we were in desperate trouble with debts over 20k and not knowing where to turn, now three years later, we are under 13k, and every step of the way the people there have been more than helpful. They will always listen and help if something unexpected comes up and while our creditors aren't exactly happy, they trust and respect Stepchange to keep us on track, paying off what we can afford each month and lowering our debt. Totally recommend this company and are grateful to them! Reviewed on: 22nd July 2021

Very helpful

I was in a terrible state when I got in touch with stepchange my husband had to stop working through ill health,but they put me at ease and were fantastic and reassuring Reviewed on: 22nd July 2021

Changed my life

Thankyou, so much for what you do to help people and families. I wouldnt have managed to support my 2 children with out the support of stepchange. So thankyou is all I can say. Reviewed on: 22nd July 2021

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

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