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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18664 reviews)

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4.92

Based on 18,663 reviews, last reviewed 12th Jul 2026

126067% 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

Best thing I done to help me with my finances. When I first got in touch with step change I was a bit worried about it. A lot of questions were asked about my finances but the person I spoke to was... Read more Reviewed on: 12th 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.

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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)

The best team ever!

The best people, that genuinely want to help and make a difference to people’s lives. Thanks again team x Reviewed on: 18th June 2021

StepChange is a lifesaver

I got the wonderful news I was pregnant after experiencing 2 miscarriages and this should have been the happiest news of my life but I was focused on how I would pay my debts. I had been self-employed for a while and had just landed a contract during the end of the first pandemic so was eligible for any support from my employer: Thankful, StepChange helped me organise my income and got me onto a debt management plan so that I could put my energy towards preparing for my little one. They’ve given me the security I needed to feel safe during this time by liaising with my creditors. The staff are always so friendly and honest. Thank you StepChange! From, A happy customer. Reviewed on: 18th June 2021

Supportive, reassuring, life changing

After losing my job I was faced with unaffordable debt and my home being at risk. Thanks to the incredible support and advice from Step Change, I’ve been able to continue paying off my debt at an affordable rate. They’ve been superb. Reviewed on: 18th June 2021

This wonderful caring problem solving company saved my life literally

Had the letters written out to children . Tablets ready . Note to pin on door to ring Police Do not Enter . My son came home early he just had a feeling to go home . Lots of emotion he immediately rang Stepchange . What had set me off that particular day . A letter from a credit card company after I had asked them to freeze the interest or reduce it the letter stated they were going to put it up to 68% yet I had never missed a payment . I had other debts mainly from paying for private Neurophysiotherapy to try to walk again after being paralysed during a Breast Cancer Op . Surgeons temper at not being able to do it his way . He flipped me too fast and I fell down side of table still attached to breathing tube . From 8/10/2008 I was paralysed on my own with a young family to manage . I was 42 . This day in 2017 I had used all my DLA living Allowance every month to pay one card then use that one to pay another . There was no escape . I felt worthless and a burden and so so tired of checking a bank Account maybe 3 times a day whilst laying flat in bed panicking . I’m only saying this for you to realise the depths of despair I had sunk to . I cried throughout the conversation with Matt from Stepchange. He had the patience of a Saint .He promised a so,Union would be found after going through the first basic details . I also acknowledged this was my debt but they weren’t playing fair these credit card companies. I had written to them to say I had been diagnosed as a high risk suicude meant nothing to them . That night I slept . Even usually with Morphine and Fentanyl and anti anxiety and sleeping tablets I had Insomnia for years until that night . I am here . I am alive . My first words every day are Thank you Stepchange . For enabling me to see my Grandson grow these past few years I have never missed a payment . I have increased the payment amount every year by getting better deals . All the staff I dealt with mainly by email helped me, explained computer generated letters and said refer anything to them to deal with . They realised how fragile I was clinging on . I can only say a Thank you which seems inadequate but also to spread the word . I thought I wouldn’t be able to do this review but it makes me realise how far I have come and what fantastic help they give so many people desperate to be listened to. Reviewed on: 18th June 2021

Peace of mind.

Since I was put in touch with step change, I have found them to be extremely helpful, and now have peace of mind knowing there is someone I can turn to if I need help or support. Reviewed on: 18th June 2021

Helped to sort finances

Contacted step change through our bank. Haven’t look back since they help us. Yearly assessment. Help communicate on our behalf. Made life easier and better. Reviewed on: 18th June 2021

Step Change, a life changer, life saver.

My debts suddenly spiralled out of control due to unforseen circumstances; until I discovered Step Change I could not envisage any reasonable way out of my situation. The speed at which Step Change took over my problem and created a really good repayment programme for me was simply breathtaking! The professionalism, understanding and care shown has been truly second to none and I cannot imagine that any Debt Charity could be better or more helpful. Reviewed on: 18th June 2021

Very helpful, a seamless and stressfree support

For me Stepchange has changed my life from sort of very disorganised, full of stress financially and psychologically and my chaotic life. Now, my life has it’s direction and focus to go back to normal in due time. Stepchange has an important role in shaping our bright future ahead. Stepchange deserves to be recognised by any institution for their role to anyone whom they needed their helping hands. Reviewed on: 18th June 2021

They have helped me so much

I have been with StepChange for almost 5 years and they helped me change my life. Took away a lot of stress and sleepless nights Reviewed on: 18th June 2021

Excellent

I was drowning in my debt, my life was worthless and my only relief was death! Step change helped me realise there is more! I am not running away! I will pay what I owe and I am worth more! I'm a good person who's hit hard times! I'm not bad and Lige has more in store for me xx Reviewed on: 17th June 2021

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