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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18674 reviews)

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4.92

Based on 18,673 reviews, last reviewed 9th Aug 2026

3% increase in 5 star reviews

in the past 90 days

22% decrease in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Take the step to change Im an older lady who through illness fell behind with debts. Ended up so worried and frightened with being unwell and not being able to pay. I had a b... Read more Reviewed on: 9th August 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 (18674)

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

In my monotone life I finally things what I can look out for it.

Without Stepchange probably my life would go completely out of control and my suicidal thoughts probably will be going true, now I can look forward in my life and this all because of Stepchange. Thank you. Reviewed on: 8th July 2020

Great advice and fantastic customer service

These people have literally changed my life for the better. With their help I am making a real difference to my spending habits and I can see lights at the end of the debt tunnel. Reviewed on: 8th July 2020

A helping hand when you need it most

I, like many others, turned to Step Change out of desperation, and the cool, calm and friendly way they helped me with my problem was such a relief. I owe them a lot, helping when my lenders wouldn't. Being a charity, they obviously do not have an 'agenda' so you can trust them to give you the right, best advice availible, always. Thay are firm with their advice and recomendationa but in being so, you kbow that there is hope to get out from under the burden of debt. Reviewed on: 8th July 2020

A wonderful charity who helped me when I was lower than I had ever been.

Following a divorce and falling into financial difficulty this truly amazing charity and its staff carried me through a really emotional time. They have helped with my creditors who have also been understanding and helped me live my life. I don't have much but I am repaying what I owe, can cover the bills and put food on the table. I can't thank this organisation enough. They inspired me that much I am now helping work colleagues through difficult financial times using the advice they have given me to guide them. I can't thank you enough or the creditors who have been so understanding during this whole situation. The name speaks for itself and it has helped me up that step to change my life. Thank you. Reviewed on: 8th July 2020

Made a difficult and desperate situation much easier.

I first contacted Step Change in 2013.They were beyond helpful and weren’t judgemental at all.I had a big change in my personal life in January of 2015 when once again I had several. additional dealings with them.They made my situation so much easier to cope with. I will never ever be able to thank Step Change enough. Reviewed on: 8th July 2020

Back me up

I was through hard times and I couldn’t keep up the payments, stepchange change my life big time , always support me through those years and soon I am debt free this year so I am higher recommend to those debt people to sign it up :) Reviewed on: 8th July 2020

Empathetic, non judgemental

Everyone you talk to are so friendly they put you at ease straight away that no matter how big or small your debt is there’s ongoing support and a plan to help you through your crisis.. they immediately put you at ease like the weight of the world has been lifted. There is a light at the end of a very dark tunnel. Reviewed on: 8th July 2020

Helped get back my life

StepChange are like the reinforcements in a battle that’s being lost. They are a buffer zone between me & the sharks I mean creditors. They helped freeze interest charges , helped me work out a budget to stick to as well as a repayment plan. Without this I would have been drowned with interest charges. I owed £19,000 In 2012 which now is down to just £1.600 odd. I was raised the old school way which was to pay back what you owe. I’m almost there now not long to go & my credit score is at its max. Thanks to StepChange I wouldn’t be in the position I am in today. Reviewed on: 8th July 2020

Can't do enough to help at a tough time

No judging - just there to try and help and reassure. It has made an unpleasant experience very manageable. Reviewed on: 8th July 2020

Excellent service

I’ve been with Stepchange for over a year and their service and professionalism is second to none. Reviewed on: 8th July 2020

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