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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18645 reviews)

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4.92

Based on 18,644 reviews, last reviewed 23rd Jun 2026

188400% 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

I have always been treated nicely when I call , as t... I have always been treated nicely when I call , as this is a stressful time for me, it had helped me carry on with work without worrying as much altho... Read more Reviewed on: 23rd June 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 (18645)

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

Getting on top

Got into debt with no real idea of how to cope StepChange helped me through the process of making real decisions of affordability and peace of mind knowing I'm moving in the direction of getting everything sorted and having a goal to look forward too rather than a constant fear of debt collectors/ baliffs turning up and the constant letters. Reviewed on: 27th May 2026

Excellent service provider.

Excellent service provider. Timely and efficient. Reviewed on: 27th May 2026

I am struggling on my dmp I told them that I couldn’...

I am struggling on my dmp I told them that I couldn’t afford this and they just insisted this is the required amount needed I’m now struggling more than I was previously and in talks with another company to seek out other options and they are listening to my situation unlike step change Reviewed on: 27th May 2026

I needed help to pay off debts and stepchange took a...

I needed help to pay off debts and stepchange took away the stress and made life easier Reviewed on: 27th May 2026

StepChange really helped me take control and ease th...

StepChange really helped me take control and ease the pressure of cost of living and finances and sorted all the paperwork out. Thank you Reviewed on: 27th May 2026

Process was simple and easy to follow...

Process was simple and easy to follow to collect details of all my debts and suggest a debt management plan. Portal to manage plan is simple and easy to use when needing to check on progress and update any debt details. Reviewed on: 27th May 2026

I finally felt I could breathe again

It’s been just over a year since I joined StepChange, and I honestly don’t have enough words to thank the team for the support they gave me during one of the hardest periods of my life. I was left dealing with overwhelming debt and financial pressure, and at times it truly felt unbearable. StepChange helped me regain control, reduce the stress, and start rebuilding my life and finances step by step. I will always be grateful for the kindness, professionalism, and support I received throughout the process. I cannot recommend them enough to anyone struggling financially or feeling overwhelmed by debt. Financial pressure can affect every part of your life, mentally and emotionally, but reaching out for help was one of the best decisions I made. Reviewed on: 27th May 2026

My life is back!

I’m already up to my eyeballs in debt. I took the initiative and sought financial help earlier on last year. Something I was really proud & relived about myself doing because I was putting it off for years. I really wish I did it much, much sooner when I lost my job even though I was in debt by then anyway, albeit no where near I am now. I cut up all my credit cards and threw them away and unlinked everything off my accounts online. I work with StepChange who pay all my credit bills. £150 is paid to them monthly that is then split in varying amounts to each of my creditors. It doesn’t stop those accounts from being defaulted, but it makes sure everyone is paid monthly on time and all creditors can see that I’m working with a debt relief charity to put my finances right. It took a huge amount of mental strength to set this up and speaking to them & each of my creditors for months to organise these new smaller manageable payments. Countless lengthy phone calls and emails back and forth for 4-5 months. It was a nightmare. It’s reviewed annually, but nothing will really change because my debt is so much. My life is now back on track. Reviewed on: 27th May 2026

Changed my life

Step change helped me get all my debts in one place at an affordable amount I can afford a month, rather than wandering where I’m going to get the money from to pay the next bill. Their excellent customer service make my whole experience so straight forward and helped put my mind at rest, no more laying awake at night worrying. it has really changed my life. Reviewed on: 27th May 2026

From the first phone call with StepChange, the staff...

From the first phone call with StepChange, the staff were brilliant. They did not judge at all. They were extremely understanding and genuinely had my best interests at their core. They were so informative and explained all options carefully and stress free. They truly supported what was best and most viable for me. Calling StepChange was the best decision I ever made towards gaining control over my finances. Reviewed on: 27th May 2026

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