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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18660 reviews)

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4.92

Based on 18,660 reviews, last reviewed 8th Jul 2026

189050% increase in 5 star reviews

in the past 90 days

1600% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

4

I had a 10. MY CRITIQUE I had a 10.5 hour lower back spinal surgery which made it difficult for me to even sit for a certain length of time. However, this form is so long and... Read more Reviewed on: 8th July 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.

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 (18660)

Review of the StepChange, Debt advice:

Supportive and Caring

Stepchange is the understanding, none criticising option for anyone who has unfortunately fell into debt I would sure recommend them. Reviewed on: 3rd August 2021

TAKE THE WORRY OUT OF DEBT tHEY ARE CONCISE IMFOR...

TAKE THE WORRY OUT OF DEBT tHEY ARE CONCISE IMFORMATIVE AND JUST GET ON WITH DEALING WITH THE PROBLEM Reviewed on: 7th May 2026

Easy application process

The process was very straightforward, I liked the option to complete the application online rather than having to speak to someone because I knew that speaking to someone would make me cry because I felt so desperate and hopeless about my debt issues Reviewed on: 7th May 2026

Stepchange were there to help me

Stepchange were there when I needed them most. A very precious approach with by debt problem now Reviewed on: 7th May 2026

Really made a difference to our finances and stress...

Really made a difference to our finances and stress levels. Reviewed on: 7th May 2026

My finances were a complete mess

My finances were in a complete mess I did not know which way to turn or how to deal with my debts. I spoke to Step Change and they took me through a number of options and explained in detail the best option for me. Step Change recommended a Debt Management Plan. After a lot of hard work and very long phone calls with Step Change I drew up a budget this does take a great deal of effort and soul searching. You have to be ruthless when it comes to reducing your expenditure many of the things I was buying were totally unnecessary so I stopped them on advice from Step Change. There are to many to list but at the end of it with a great deal of help and support I was able to fix an amount that I could afford to pay to Step Change each month and they then obtain the agreement of my creditors to this proposal and they distribute the money every month on my behalf. It is a long and emotionally painful experience but at least when it is set up you know it is being paid and you can relax just a little bit. As part of the process I was advised to apply for "breathing space" from my creditors which is when the creditors agree to give you a break from interest payments and letters and so on it just gives you a chance to look at the whole financial situation you are in and to try your best to deal with the problems you are facing. I can say that without Step Change and the help they provided I simply would never have managed at all. I would say that whilst they are very kind and considerate they do tell you like it is and you soon learn that you have to be hard with yourself and face the harsh reality of your situation which at the end of the day you have brought upon yourself. I found the initial stages very very difficult as I went through the process and the debt management plan was set up I find it slightly easier to cope with but it remains difficult. Step Change are always at the end of the phone and they will always find an answer to whatever financial problems I have. I am deeply grateful for all their help and advice that they have given me and the work that they do to explain matters to my creditors which is something I could not do myself. If you need financial advice regarding debts Step Change are, in my view, the best. Reviewed on: 7th May 2026

After lockdown

After lockdown i had absolutely nothing, but spiraling debts and couldnt afford to pay them, after advice and help i am managing to reduce the debts significantly Reviewed on: 7th May 2026

Amazing experience.

Amazing experience. Life changing. Took all stress away at a massively difficult time. Smooth and excellent service every time. The support I have had over the years has been amazing and it enabled me to manage finances much better and it gave me confidence that all debt would be managed and I would be debt free, with a manageable monthly payment. They ensure I had what I needed to live comfortably and reviewed this to make sure I things remained manageable. Extremely grateful. Reviewed on: 7th May 2026

Thank you to this organization for helping me in a D...

Thank you to this organization for helping me in a DIFFICULT time, the service is great Reviewed on: 7th May 2026

helped when most need it.

I am helped to keep away creditors while in small monthly income for few years now, when I call them or email them they promptly answer and help Reviewed on: 7th May 2026

HelpfulVery helpful and u really friendly to d...

Very helpful and understanding really friendly to deal with Reviewed on: 7th May 2026

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