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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.95 (14720 reviews)

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4.95

Based on 14,720 reviews, last reviewed 16th Apr 2026

25% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Amazing service Stepchange have been amazing help. Debt advice plan in place amazing customer service Reviewed on: 16th 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 (14720)

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

StepChange saved me from myself.

StepChange saved my life as the spiral of angst and depression that can effect some hit home hard for me and the support and help and advice I received allowed me to see light at the end of the tunnel and I could feel that I could plan for a future being debt free or in a more positive place and direction. Reviewed on: 23rd May 2025

I was helped immensely my member of your staff who I...

I was helped immensely my member of your staff who I’m very grateful Reviewed on: 23rd May 2025

From stress to calm

From the overwhelming stress at the onset of COVID—my income reduced to just a third—to finding a sense of calm, StepChange was truly a lifeline. Their incredible empathy, unwavering thoughtfulness, remarkable patience, and absolute professionalism made all the difference. I genuinely can't thank them enough for lifting such a heavy burden off my shoulders. Their kindness and dedication are nothing short of extraordinary. Three years later, I am debt free. Thank you, StepChange. Reviewed on: 23rd May 2025

First class customer care

From the moment I rang you in such a state you were friendly, sympathetic & just wonderful. You took care of everything for me & 4 years on you’re all so helpful. Reviewed on: 23rd May 2025

Friendly staff and the support is second to none.

Friendly staff and the support is second to none. Helping me climb out of a mountain of debt and all whilst keeping me constantly informed via their portal. Reviewed on: 23rd May 2025

A big help and helps ease the stress of debt

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

Helpful and kind

Give good advice . Are helpful and kind. Reviewed on: 23rd May 2025

Life saving very helpful thoughtful and understanding

Life saving very helpful thoughtful and understanding Reviewed on: 23rd May 2025

Excellent supportive team

Excellent supportive team who are always there for advice Reviewed on: 23rd May 2025

Quite simply, Stepchange saved my life.

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

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