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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18658 reviews)

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4.92

Based on 18,657 reviews, last reviewed 4th Jul 2026

188950% 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:

5

New life .. I have been with stepchange from the beginning and I hope next week is the end all the staff help trough this bad time I never made it without them al... Read more Reviewed on: 4th 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 (18658)

Review of the StepChange, Debt advice:

Retaking control

You've come to the end of your tether, swamped by red letters and final notices. So phone StepChange - one of the best half hours of your life. They sort out what you spend on what, what you owe, what you can afford to pay back after allowances are made for the amount you need to live on. Then they sort out the repayments (through them) and companies listen to them whereas they wouldn't listen to you, because they have standing. And the best bit (apart from the relief of finally doing something positive about things) is that they're a charity and won't charge you a penny. Reviewed on: 23rd April 2017

I am happy l have a peace of mind from my lenders.

I am happy l have a peace of mind from my lenders.. step change is gradually reducing my debts. Your service is very good. Reviewed on: 6th May 2026

Don’t hesitate - stepchange can help

I was really worried and concerned of my position. Stepchange helped me get to grips with my financial situation. Having an organization. To help you navigate was invaluable. Finally felt relief. Reviewed on: 6th May 2026

Very helpful every step of the way

Very helpful every step of the way - StepChange helped me find a debt solution that works for me and my wife.They were never judgemental, and were very timely in getting everything set up and communicating with debtors Reviewed on: 6th May 2026

Best decision i have ever made.

I honestly can’t thank StepChange Debt Charity enough for the support they’ve given me during one of the most stressful times in my life. From the very first contact, I was treated with kindness, respect, and absolutely no judgement. Talking about debt can feel overwhelming and embarrassing, but they immediately put me at ease and made everything feel manageable. They took the time to clearly explain all my options and helped me set up a plan that actually worked for my situation. Knowing I had a structured, realistic way forward lifted a huge weight off my shoulders. Their ongoing support and regular reviews have helped me stay on track and feel in control again. What really stood out was how compassionate and understanding the advisors are – you genuinely feel like they care about helping you, not just processing a case. Thanks to StepChange, I’ve gone from feeling completely stuck and anxious to feeling hopeful and confident about my financial future. I would highly recommend them to anyone struggling with debt – reaching out was the best decision I made. Reviewed on: 6th May 2026

I would definitely recommend StepChange.

The advisors were very helpful and understanding of my situation, and talked me through every step from start to finish. The application process was pretty simple, much easier and more painless than I had been expecting and I had an offer in a matter of a couple of weeks. If I need to make tweaks to my budget I can do so easily, and I am able to make extra payments as and when I can. Getting a DMP will affect your credit rating for about 6 years and potentially your ability to get credit in the future, but it beats insolvency and bankruptcy. The only real drawback I have found is that they aim to get back to you within a week when you reach out by email, but you can find phone numbers instead if it's urgent. If you're having issues with debt, I would definitely recommend StepChange. I just wish I'd done it sooner. Reviewed on: 6th May 2026

Think support, Think Step change!

Very helpful across the board! I think what stood out most for me was the way they communicated with their sister company Business Debt line who were also brilliant communicators. Would not hesitate to recommend them to anyone in need. Reviewed on: 6th May 2026

Smooth process,I was worried that it would drag but...

Smooth process,I was worried that it would drag but thankfully it went smoothly Reviewed on: 6th May 2026

A supportive company, at a difficult point in my life.

At a very difficult time in my life, the people at StepChnage really helped my and continue to support me. Reviewed on: 6th May 2026

They take the weight off your shoulders

Very helpful service. Polite and caring staff. Reviewed on: 6th May 2026

Step change listen to you

They have helped me alot and sometimes you are stugging to pay they are there to listen and it means alot Reviewed on: 6th May 2026

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