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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.95 (14718 reviews)

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4.95

Based on 14,718 reviews, last reviewed 9th Apr 2026

57% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Good client service . Good client service . Good information and guidance. Valuable advice Reviewed on: 9th April 2026

Latest lowest rating:

2

My payments are not aligned with the date required b... My payments are not aligned with the date required by the credit card which cased major attention on my credit rating report Reviewed on: 23rd June 2025

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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 (14718)

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

Very helpful.

Very helpful. Didn't judge you on what happened in your situation. Listened to you. Gave you an answer almost straight away. Gave you peace of mind. Reviewed on: 23rd May 2025

Stepchange gave me life and hope!

I contacted Stepchange in 2019, as recommended by The Citizens Advice Bureau, I was medically retired from the Civil Service, so one day i was on a high salary with a Mortgage, Personal Car Plan and loads of Credit Cards. The following day i had nothing but debts. I put most of my retirement money in to my mortgage, as I was scared of losing my home! The rest went to buy my car from the plan. After that were all of my Credit Cards, which were no problem when i was employed, but now i could see a point where they would become unmanageable. I had to wait for ages to find out what benefits i could claim, as i had no other income. I worked out my total debt and it was nearly £62,000... still the remaining mortgage and the cards, which were being used constantly, as it was taking so long to obtain my benefits, with no other income. Finally, Stepchange literally changed my life. Now, in 2025, i feel so good about my debts, as they are now £38,000. I have achieved a massive reduction and i know many people who owe similar amounts, simply as part of life! It only took me just under 6 years to achieve this and i can see the end of the tunnel. Thank you Stepchange! Reviewed on: 23rd May 2025

I had a problem with an unknown creditor

I had a problem with an unknown creditor ? The original debt probably statute barred ?Was told that the debt would not be added to my already long list. Reviewed on: 23rd May 2025

5 star service

Very good customer service . Well managing company Reviewed on: 23rd May 2025

Amazing realistic Stepchange

Stepchange haven been amazing, understanding and helping us through a difficult time and assisting in being realistic what we can afford to pay. Reviewed on: 23rd May 2025

When you think there is 'nowhere to turn...

When you find yourself in an awful, 'nowhere to turn' situation, I can't praise StepChange enough for the help they gave us, straight from the first contact. They gave me chance to go through everything clearly and at a pace that works for you, to get you into a position where you can see a way forward in getting back on track financially. Reviewed on: 23rd May 2025

They put my mind at rest going through a very hard f...

They put my mind at rest going through a very hard financial time. Always speak in a way that is understandable Reviewed on: 23rd May 2025

Peace of Mind

I had spoken to another debt management service and their fees were frightening. My sister recommended StepChange to me and it was an easy online application. I gave all the detailed relevant information and they came back with a plan for my situation. It has helped me reorganise my expenditure and taken away a huge amount of stress. Reviewed on: 23rd May 2025

A flexible plan to meet out changing needs.

A flexible plan to meet out changing needs. Always helpful if we contact you. I’d definitely recommend to anyone in difficulty Reviewed on: 23rd May 2025

Helped take the stress out of the situation and made...

Helped take the stress out of the situation and made me feel like a person not a number or a failure for seeking their help. Reviewed on: 23rd May 2025

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