Write a review

Newsletter

Go to business site

StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18671 reviews)

View other StepChange products

4.92

Based on 18,671 reviews, last reviewed 30th Jul 2026

75720% 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

It was good. It was good. Staff communication etc… Reviewed on: 30th 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

Read all reviews See your review

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:

Great, helpfully service

Really helpfull and knowledgeable people. The advisor gave me advise and guided me through the whole process to set up my debt management plan. Now, I don't wake up during the night worrying because I know my financial situation getting and my debt is reducing. Reviewed on: 7th June 2025

A life saving service!

I started to get support from Step Change in November 2019. At that point I was in a real mess financially. I was in a constant cycle of making minimum payments on credit cards, paying more than I could afford on loan payments and living month to month, worrying that I wouldn’t have enough money to pay my bills and put food on the table for my family. The advisors at Step Change are incredibly supportive, very knowledgeable and patient. The advisors reassured me that support was available and things might not be as bad as I had been imagining, my worse fear was losing the house I have worked so hard for. After a few weeks of sorting out creditors, filling in a few forms and making a couple of phone calls I was moved onto a Debt Management Plan (DMP). This means that I now make one monthly affordable payment to Step Change and they distribute the money to my creditors. They also communicate my financial situation to my creditors and have managed to freeze the interest on my credit cards, so the money I pay will now come off my bill, instead of just paying interest. I was in over £40,000 of debt but I now feel optimistic for the future and I hope to be debt free in 5 years. That’s still a long way off, but I’m in such a better position than I was 12 months ago and I will be forever grateful Reviewed on: 9th July 2020

I would concretely recommend for anyone with debt problems

I had depression and anxiety. I feared each month how much I had to pay back my debt creditors having paid so much already but nothing was helping and my debt amount seemed to never go down. In shorter words I was suffocating with managing my debt. So I did some googling and found Stepchange. If ever someone is experiencing the panic of debt I seriously can not reccomend stepchange enough. They answered any time I had a question, without sounding judgemental. When the debt creditors were hounding me, I got emotional because I was trying so hard, stepchange helped me they again without hesitation. Panicing when I had too pay an unexpected lesser payment at the start of my debt management plan because I hadn't had time to build up my budget for unseen expenses, they understood and helped figure out the lesser payment. I love that they figured out how much I could afford to pay from what i pay of other Bill's and called them priority Bill's and expensive my budget for food shop They figured out a way for me to have enough money to not be struggling but also pay my loan. By also advising on where i could save. A year later I have just made my last payment, offically making me debt free! They saved me from the mental prison debt creates. And I cannot thank them enough for there help Reviewed on: 9th July 2020

Excellent Service

My mind was put at rest once I contacted StepChange. Always helpful if you need to talk. Reviewed on: 9th July 2020

Great advice really helpful easy to get help from

Had a lot of debt turned to these as they were recommended by sister in law who was also using this service They friendly really helpful all the way along my debt will be gone in a couple of years thanks to them Have recommended these people to all my friends Cannot thank them enough Regards Gary Reviewed on: 9th July 2020

THANK YOU STEPCHANGE !

would not like to think where my life would be without Step Change. They've helped me so much always being polite and understanding to my circumstances. Reviewed on: 9th July 2020

Top marks

StepChange was recommended by our creditors and we have nothing but praise to this debt charity and they definitely have our vote! Reviewed on: 9th July 2020

Debt management

Step change provided us with an affordable way to manage our debt we got into after my wife became disabled and could no longer work. Annual review helps us to make changes to our plan. Would recommend this service to anyone worried about debt Reviewed on: 9th July 2020

Nobody does it better

I have always found Step change to be very professional & knowledgeable & have always given me good sound advice. 10/10 Reviewed on: 9th July 2020

Peace of mind.

I cannot thank Step Change enough for their help in my time of great need with my debt after being swindled out of money from my bank account. Thank you a thousand times. Reviewed on: 9th July 2020

Changed my life

I was really worried about how I was going to pay my bills until I spoke to stepchange and now 4 years later I’ve nearly paid everything off and I’m also managing to save as well. Amazing! Reviewed on: 9th July 2020

Do you have a different StepChange product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Debt Collection
from Darcey Quigley & Co 3.55 from 3 reviews
Debt Solutions
from Money Advisor 3.94 from 13 reviews
Debt Collection
from CCI Credit Management 3.99 from 1 reviews

Want to see more from StepChange?

Mortgage Broker
from StepChange 4.26 from 6 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub