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StepChange: Debt advice reviews

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4.95
Based on 14,715 reviews, last reviewed 31st Dec 2025
67% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
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3%
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Latest highest rating:

5

I was so stressed wished I had done this years ago m... I was so stressed wished I had done this years ago made my life so simpler and learned to live within my means. Reviewed on: 31st December 2025
Debbie P's avatar
Debbie P

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
Magda 's avatar
Magda
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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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StepChange Debt advice reviews (14715)

A big help and helps ease the stress of debt

5
Due to unforeseen circumstances I found myself having to seek help with debts and being constantly harassed by my creditors when my circumstances changed and I was unable to pay them. Every single day it would be a nasty phone call, threatening letters until one of the creditors suggested that StepChange might be able to help me. I called them up, they were understanding of my situation, eased my mind about what the creditors could and could not do to alleviate any fears that I had and then they helped me create a debt management plan on what I could afford to pay, which they then sent out to my creditors. Once that happened, my creditors were happy, they stopped applying additional charges for late fees and interest, and they left me alone to just get on with repaying my debts at a monthly payment that I could afford. Repaying then because easier and affordable. Pay a monthly payment to StepChange and they handle all the rest, proportioning out my monthly payment across all my creditors. My creditors are happy as they're all getting a slice of the payment at a percentage that reflects how much they're owed. Reviewed on: 23rd May 2025
Wayne's avatar
Wayne

Helpful and kind

5
Give good advice . Are helpful and kind. Reviewed on: 23rd May 2025
Zoe Stephens's avatar
Zoe Stephens

Life saving very helpful thoughtful and understanding

5
Life saving very helpful thoughtful and understanding Reviewed on: 23rd May 2025
Henderson 's avatar
Henderson

Excellent supportive team

5
Excellent supportive team who are always there for advice Reviewed on: 23rd May 2025
Andrew Nevins's avatar
Andrew Nevins

Quite simply, Stepchange saved my life.

5
Quite simply, Stepchange saved my life. I went from suicidal to being able to face life, get mental health support, manage my money and look forward to a future. Reviewed on: 23rd May 2025
TFTSG's avatar
TFTSG

Hope out of despair.

4
Always respond to queries in good time, competent, reliable, and confidence-building in that the future can be financially much better than the past and present. Reviewed on: 23rd May 2025
Tony H's avatar
Tony H

Amazingly knowledgeable and helpful

5
Find your people amazingly knowledgeable and helpful. Reviewed on: 23rd May 2025
Stephen B's avatar
Stephen B

About 7 years plus ago I was in terrible debt due to...

5
About 7 years plus ago I was in terrible debt due to a relationship breakdown plus other issues, I felt myself getting ill due to worry my future looked really bleak. My girlfriend mentioned this organisation step change which I have never heard of, I got in touch with them and they where the most understanding helpful humans I have ever come across, the way things were at the time I can truly say they probably saved my life I'm getting emotional typing this .right now I'm dept free with a tiny savings slowly growing but all in all I'm ina much better place right now and I thank you most sincerely over and over Reviewed on: 23rd May 2025
Paul l's avatar
Paul l

Extremely helpful and understanding of my situation...

5
Extremely helpful and understanding of my situation and helped me get back on track Reviewed on: 23rd May 2025
Miggy's avatar
Miggy

The process of setting up a budget and establishing...

5
The process of setting up a budget and establishing an amount has been really smooth and efficient. I was even more impressed by the fact that StepChange contacted the lenders who approved the repayment plans. It’s such a relief. I’m beyond grateful for all the help. Reviewed on: 23rd May 2025
Anna's avatar
Anna

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