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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18665 reviews)

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4.92

Based on 18,665 reviews, last reviewed 16th Jul 2026

75600% 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

Escaped my debt with step change help I was so worried about my debt they took all my details and contacted all the people I owed put a payment plan in place this was taken out on the 21/... Read more Reviewed on: 16th 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 (18665)

Compassionate Financial crisis resolution

I have a life limited illness and was prescribed medication which like all drugs had certain side effects. In my case the medication, Neupro, is renown for causing people to gamble and indulge in excess expenditure. As a result I endured a pyschotic episode and was admitted to hospital when I received the correct medication for my condition. However I then had to deal with the substantial debt I had incurred and was advised by my bank manager to contact Stepchange. I can remember the morning when I first contacted Stepchange and had a 90 minute very tearful conversation with a. wonderful compassionate and very understanding professional .lady adviser. I had to admit for the terrible financial crisis I had found my self in and was given the right and help to sort out a debt management programme. Due to my exceptional situation, supported by medical evident nce 8 of my 11 creditors very kindly waived my debt and I am now paying an affordable sum to my other creditors. Reviewed on: 9th July 2020

Simply, life changing.

The stress of debt, was taking its toll on me much more than I realised. Only after contacting StepChange and setting up a DMP, did the shame, depression, embarrassment, fear, denial and anxiety become apparent as they began to quickly leave me. I wish I had known about StepChange sooner, but I’m so grateful to know about them now. I’m truly thankful for the help and advice I’ve received. Reviewed on: 9th July 2020

Best help out there

Amazing team that gives you open and honest information in regards to reducing your debts and whats best its all for free Reviewed on: 9th July 2020

An helping hand

I had my difficult times when, with my wife in hospital, I had to stop working to take care of her and my kids. To pay the accounts I started in a spiral of loans that becomes more and more difficult to pay, until I understood that I had to do something. Suddenly two words: "Step Change", one phone call and a helping hand push me from my fears and solitude. Reviewed on: 9th July 2020

A lifesaving service

I was in a really bad place when my husband left me in debt. Someone suggested step change and they were my saving grace. Reviewed on: 9th July 2020

Family life-saver

From the first phone call I felt they had lifted a huge weight of my shoulders. After months of torment, I could breathe and sleep again knowing my finances were in control and my family would get through it. 15-years later and we are finally debt free all thanks to Step Change, I will be eternally grateful. Reviewed on: 9th July 2020

Life changing moment

I contacted Step Change as I was in a financial mess. My health wasn’t good and I was only receiving statuary sick pay I was drowning in debt and my husband didn’t even know I had debt I couldn’t tell him either as he is a bit of a control freak and it wouldn’t have been good for myself. I thought the only way out of this was to end my own life I couldn’t see any way forward it was one of my debtors that told me of step change. I picked up the courage to call step change I was a nervous wreck on the phone I was crying and I was also very embarrassed about my stupidity in getting into debt in the first instance the wee girl on the phone was absolutely fantastic can’t even remember her name but what a credit to the company she handled my situation with ease and never once judged me. I felt I made a friend that day as I was definitely not in a good place or a good frame of mind I believe I am still alive today for that reason my husband still doesn’t know as I have a budget and I can make one realistic payment. I want to thank Step Change for saving my life and the reason I can write this review . Good luck Step Change you do deserve this award you don’t just handle debt management you safe people’s life’s . A massive big thank you Reviewed on: 9th July 2020

Happy girl

Step change has been amazing in helping me clear debts. Done more for me than Citizens Advice Bureau Reviewed on: 9th July 2020

Very helpful

Helpful at taking the stress and worries out of the situation. Reviewed on: 9th July 2020

Super heroes

After being recommended to them, they dealt with all the demanding letters, stopped all the persistent phone calls and made life more manageable. Regular reminders and help with budgeting and allaying my concerns throughout. Took me from despair back to some sort of normality. Reviewed on: 9th July 2020

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