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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

Reassuring staff at the other end of the phone

Made me feel normal, like I wasn't a failure or a bad person for having debt. I had been juggling my finances for a number of years before a cancer diagnosis made things impossible. I couldn't believe how easy it was to get help and be put on a payment plan. I really wish I'd contacted them earlier. Every single person who dealt with me from the first phone call through yearly reviews has been professional and caring. Thank you. Reviewed on: 8th July 2020

Light at the end of the tunnel

Being diagnosed with cancer and loosing your job are not the things you want to hear.. Macmillan put me in touch with Step change and I saw a reason to be positive, no more dreading the post or the phone calls ... I had step change at my back supporting me all the way fast forward a few years got a new job and am in remission from my breast cancer, still paying my debts but in a way that does not limit or scare me .... STEP CHANGE you are my knights in shinning amour THANK you Reviewed on: 8th July 2020

I didnt know where to go...

My last few years have spiralled out of control with my finances due to depression and anxiety, and I was absolutely desperate and ashamed of my debts. I found courage to contact stepchange and have not regretted it. I was met with kindness, empathy and understanding... something we all wish for in our times of need. I'm kept up to date with money paid, owed, and balances, and any concerns are addressed immediately without me feeling stressed or anxious. Thank you for helping me start to get my life back. Reviewed on: 8th July 2020

Rescued me from a debt spiral

StepChange have been amazing for me. I got caught in a spiral of taking out a credit card, maxing it out, then taking out another one to pay off the previous one, both helped by unplanned absences from work and poor mental health. I was at my wit's end when I finally worked up the courage up get help. StepChange were brilliant. They took all the information on my income and outgoings and set up repayment plans with all my credit card companies. They didn't pressure me to scrimp by on nothing, but agreed a realistic budget with me. All I need to do now is make one affordable payment to them every month and they divvy it up between my debts. If I have a change to my income or outgoings I can amend my budget online, or if I need advice their staff are so friendly, helpful and respectful. They aren't judgemental or condescending - they're just clear and open about the various options and actually do the things they say they will, like follow up calls with an email. For anybody in debt who wants to get on top of it, I can't recommend StepChange highly enough. Reviewed on: 8th July 2020

Friendly, helpful,knowledgeable

Very helpful and friendly when I was very stressed and anxious about my debts. Can't thank them enough for all there help. Reviewed on: 8th July 2020

Helped me out of a mess

Stepchange have managed to help me sort my finances when I felt snowed under with no where to turn, I would recommend them to anyone who has money worries. Reviewed on: 8th July 2020

So thankful to step change

A lot of worry and sleepless nights were sorted out simply and quickly by helpful and non-judgemental people. Reviewed on: 8th July 2020

Excellent service

I've had a very positive experience with the staff at step change. They listen to all circumstances and don't judge Reviewed on: 8th July 2020

Debt management plan

Everyone I spoke to has been amazing and really help me on my journey and I owe them so much . Reviewed on: 8th July 2020

Excellent

Easy to communicate with have helped me no end to control my debts I was in a right mess before contacting step change Reviewed on: 8th July 2020

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