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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18682 reviews)

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4.92

Based on 18,682 reviews, last reviewed 23rd Sep 2026

99% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Very helpful and very informative Very helpful and very informative Reviewed on: 23rd September 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 (18682)

I'm soon to be debt free!

I'm soon to be debt free! I no longer have an overdraft, credit cards or loans and do not plan to have any in the future. I now spend what I have, if I can't afford it I can't have it. Feels great not owing! Reviewed on: 14th May 2026

If it wasn’t for StepChange I really don’t know whe...

If it wasn’t for StepChange I really don’t know where I would be today. My financial difficulties began following an accident I had in December of 2024 and I was unable to continue working. I was 68 years old at the time so all of a sudden, I had to rely solely on my State Pension and although at this point I began only paying the minimum amounts each month to my creditors I was left with very little income to survive on. I hated going to bed at night because my mind started working overtime with worry and I wasn’t sleeping. The bills kept coming and were increasing more and more each month so after contacting my creditors one of them did advise me about seeking financial advice and told me to look online for StepChange. It was the best decision I ever made to contact StepChange and they have literally given me a new lease of life. Now that I am in my 70th year I am finally sleeping better at night and managing to live within the budget set out for me. I no longer have any credit cards and there are no extra luxuries but at least at this stage of my life I can finally relax a bit more and enjoy the simpler things in life thanks to StepChange. Reviewed on: 14th May 2026

I now feel in control

I now feel in control. StepChange has taken all the pressure and uncertainty away from debt management. Such an easy, straightforward process. Reviewed on: 14th May 2026

StepChange have been instrumental in turning around...

StepChange have been instrumental in turning around my financial situation, I cannot praise them enough, they are an amazing organisation. If you need any help with debt, don’t think about it, just call them. Reviewed on: 13th May 2026

Great service, great people, very helpful

Great service, great people, very helpful Reviewed on: 13th May 2026

Step Change

I have been off work Sick for a while now and could not keep up Payments for my Credit Cards and Catalogues, I was really struggling and did not know where to turn. I turnt to Step Change and they helped me alot, they explained evetything to me and went Step by Step with me and now I do not have any worries about my debts. I am very very happy I I contacted Step for help. Reviewed on: 13th May 2026

StepChange changed my life

Following a difficult separation I was left with close to £30,000 of debt. I was paying almost £1,000 a month, with £700 of that being interest. I didn’t think that I would ever be able to get a hold of it. StepChange set me up paying £217 per month, completely affordable within my budget. This May, I made my last payment. It’s taken 9 years, but I could not have done this with this DMP. Thank you so much! Reviewed on: 13th May 2026

Credit safer!

I have been looked after very well by StepChange. Reviewed on: 13th May 2026

Debt free journey

Like anything you have to put the hard yards in at the start but then all the noise melts away and you get on with getting debt free Reviewed on: 13th May 2026

When I first heard about Stepchange things were a bi...

When I first heard about Stepchange things were a bit bleak, we had debt that we couldn’t cope with. Then my husband had two mini strokes, I was getting desperate with stress and worry. From the first phone call Stepchange reassured me that they could help. It just took a couple of calls to give them all the information they needed to help us. The horrid phone calls and letters stopped! We worked through a realistic budget, (Stepchange don’t want you to starve). Creditors accepted that we were working with Stepchange and agreed the monthly amounts offered. We are so relieved that our situation is under control. Keeping to a monthly budget is quite a fun challenge, we have saved hundreds using local marketplace sites. The thrill of tracking down what we need, especially if it has been pre-loved, and a fraction of buying new is like finding treasure. All the while our debts are shrinking with a couple gone altogether now. So if you are in a state about debt please get in touch with Stepchange, they are friendly and reassuring, not at all judgmental. You need to work with them, they are not clairvoyant. It’s so worth it, be kind to yourself and do it now. Reviewed on: 13th May 2026

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