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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

Hope out of despair.

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

Amazingly knowledgeable and helpful

Find your people amazingly knowledgeable and helpful. Reviewed on: 23rd May 2025

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

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

Extremely helpful and understanding of my situation...

Extremely helpful and understanding of my situation and helped me get back on track Reviewed on: 23rd May 2025

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

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

"StepChange has been incredibly helpful

"StepChange has been incredibly helpful, providing much-needed reassurance during the challenging journey of managing debt. It's comforting to know that such a supportive organization exists. I would highly recommend StepChange as the first point of contact for anyone seeking debt advice.The team are kind, understanding, and completely professional, with a reassuringly non-judgmental approach. When you're at a low point in life, the last thing you need is to feel worse — and they ensure you don’t. The advice they provide is solid, the process is straightforward, and they tailor the best options to suit your needs. Once everything is set up, the process can be managed entirely online unless you need to reach out with questions." Reviewed on: 23rd May 2025

Step change is a LIFE SAVER.

Step change is a LIFE SAVER. I mean it because you guys have helped me when I had nowhere to go. Each and EVERY agent of Step change listen and understand my feelings and distress and debt. Every help received has benefitted me and my family. I recommend Step change to everyone reading this. Thank you Reviewed on: 23rd May 2025

The service was so comforting when I was very vulner...

The service was so comforting when I was very vulnerable - no judgements and competent people offering me options I wasn’t aware of. Now almost all of my creditors are waiting for payment until I get my mortgage back on track and I have been sleeping so much better. Reviewed on: 23rd May 2025

Peace of mind

Stepchange have helped me for 20 years. The peace of mind, from initial phone call, was fantastic. Reviewed on: 23rd May 2025

Step Change , Dear Sir or Madam, thank you for your...

Step Change , Dear Sir or Madam, thank you for your assistance and help, highly appreciated , indeed. In many aspects of my situation, as I became disabled, your assistance was vital. Regards, Janusz Jacob Junosza Borkowski. Reviewed on: 23rd May 2025

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