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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18660 reviews)

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4.92

Based on 18,660 reviews, last reviewed 8th Jul 2026

189050% 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:

4

I had a 10. MY CRITIQUE I had a 10.5 hour lower back spinal surgery which made it difficult for me to even sit for a certain length of time. However, this form is so long and... Read more Reviewed on: 8th 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 (18660)

Review of the StepChange, Debt advice:

Dare to hope,!

I have been very ill with cancer. During my treatments I took my eye off the ball as the saying goes. Was too ill to deal with post and many many calls from people demanding money. I was becoming paranoid about the phone,the postman. Well debts don’t go away I didn’t know where or who to turn to, my life was such a mess, I was even contemplating ending it all. A friend came here and said why don’t we ring Stepchange the debt charity. I had nothing to lose but from that very first call, they made me feel like we can sort this out together and took me through every single step. Every person I spoke with was efficient,nothing was too much trouble, kind and compassionate. Made me feel like perhaps I could live a life. Am not the only person this happens to. Quite a bit of paperwork which I found daunting but even if I was stuck on silly questions I always got a real person to speak with. I can’t praise them high enough Reviewed on: 27th August 2024

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

Improved my life to no end!

I was really struggling with my debts and didn't know where to turn. StepChange made organising my finances and coming up with an affordable solution super easy and .y life has vastly improved through using their services. I couldn't be happier and they have helped me get back on track. Reviewed on: 27th May 2026

I was so embarrassed, mortified at what debt I’d acc...

I was so embarrassed, mortified at what debt I’d accumulated. I realised I needed help, Stepchange has helped me and I’m on a journey of recovery. I am forever grateful x Reviewed on: 27th May 2026

I was embarrassed to admit debt

I was embarrassed to admit debt, but stepchange helped put me at ease and sort my finances i am almost debt free now. excellent cannot recommend enough Reviewed on: 27th May 2026

Amazing costumer service

Amazing costumer service, always helpful to find the best way for you Reviewed on: 27th May 2026

Excellent service ..

Excellent service I got the help to bring a new living life free from Debt Reviewed on: 27th May 2026

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