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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18671 reviews)

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4.92

Based on 18,670 reviews, last reviewed 28th Jul 2026

75700% 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

Supportive team, Helpful controllable solutions After struggling financially because of an abusive relationship and becoming a solo parent to a very young child, StepChange Deb Advice have helped me... Read more Reviewed on: 28th 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 (18671)

Review of the StepChange, Debt advice:

Step change is outstanding so effective

I have reduced my indebtedness within a short period and look forward to wiping it completely Reviewed on: 5th August 2021

From a bad place, with their help I broke the chains of debt

I had gotten into a bad position with £15k of debt, and despite a decent wage to service my debts and survive, I was still in a cycle of using payday loans to try and make it through the month. Round and round I was going, desperate. I tried to get a loan to consolidate my debts, but by that point, my credit rating had tanked. I was approached by a company about a debt management plan, they wanted money for the service though, and with the added fees it was going to take a while to break free of my chains. I was fortunate, I looked around, thought maybe I could find someone with lower fees, and ideally a better reputation. Came across StepChange, they were a charity with a fantastic reputation, and they had no fees. I went through the process, laid bare all I owed, and all I earned. And lo and behold, I had a plan to be debt free in four years, I had support, I had clear steps to take to be able to talk with my creditors, and creditors really respected them and honoured our agreements. I wasn't chased and harrassed to try and get more money off me, thanks to StepChange we all stuck to the plan. I had the satisfaction of paying back what I owed, they got satisfaction of getting back the money they had invested in me. I can't imagine what would have happened if I'd carried those debts into the world we have today, but thanks to StepChange, I didn't have to. Now my biggest debt is gratitude to StepChange for helping me recover my life and happiness. Reviewed on: 11th July 2020

Life saving - literally

I have cancer and because of stepchange I now concentrate on my health and not the downward spiral of debt Reviewed on: 11th July 2020

Stopped the anxiety

Step change really saved me, I know that sounds dramatic but I was literally drowning in debt with no where to go. They helped me and set up a management plan so I could actually live my life again Reviewed on: 11th July 2020

Life savers!!

I had no idea just what a difference Step Change would make to my life. They are super professional and very understanding. Had the best nights sleep following their advice! Number 1 for me always!! Reviewed on: 11th July 2020

I can sleep again

So helpful and got me on a manageable payment plan I can sleep at night knowing that I am on a plan that works for me and my family Reviewed on: 11th July 2020

The best organisation for guidance

Without stepchange, I’m not sure where I would be especially mentally the team are very friendly and always so helpful when I’ve called, would happily recommend for those in need Reviewed on: 11th July 2020

Got my life back

Other companies had offered to consolidate my debt but for a fee, this would have left me in even more debt without an end in sight. Stepchange allowed me to see the light at the end of the tunnel without charging me anything at all Reviewed on: 11th July 2020

My mind is now at ease

Really helpful, when I thought I was at rock bottom step change helped me to start again Reviewed on: 11th July 2020

Trusty

Very reliable, professional , quick response And effective Reviewed on: 11th July 2020

Life saver

I couldn’t sleep and the stress was taking its toll on me. Step change took away the worry literally overnight. Would highly recommend Reviewed on: 11th July 2020

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