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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

From desperation to determination

Going over my debt and listing all creditors and balances was challenging but so worth it. I’m now well into repayment. Advisors at StepChange are friendly, professional, patient and knowledgeable. Contacting StepChange changed my life and my perspective. Can’t rate them highly enough. Reviewed on: 23rd May 2025

Getting my life back...

I came to stepchange feeling very much like I was drowning. I didn't have a good relationship with my money and had managed to get myself very much in deep debt. It took a lot of time to work up the courage to realise I had a problem I couldn't get out of alone, and finally reach out for help. Stepchange have provided me with a priceless service. I told them how much I owed and who to. No judgement at all as I cried down the phone. They asked for my incomings and outgoings; taking into account even the smallest details, like how much I needed for clothing and food as well as regular bills like gas and electricity. I can access these details online at any time and change them. If my gas bill goes up, they can change how much I pay off per month, based on what I can comfortably afford. It's not easy, but with Stepchange, I'm learning to manage my money better and paying off my debt at the same time. Sure, I can't afford a holiday, but it's worth it to know that it's going to be okay in a few years. I can see my progress and how much I still owe vs how much I've paid off. They tell you when your debt will be paid off in full. This can change with alterations to bills, but it makes it so easy to understand where my money is going. For the first 6 months, you can also apply for "breathing space". This means that the people you owe money to can't phone you every day to badger you about due payments. I still get the odd letter through the door, but it's not as scary anymore, because I know Stepchange has it all handled. I'm so grateful for them. I feel like I'm working my way towards getting my life back. Reviewed on: 23rd May 2025

Thank you

Helped turn my life around . I was drowning in debt. But they sorted out a plan that worked for me. Reviewed on: 23rd May 2025

Always very helpful they helped me over the years an...

Always very helpful they helped me over the years and very professional Reviewed on: 23rd May 2025

Bad with money .

I was in mess with money and Stepchange helped me to be on to top money Reviewed on: 23rd May 2025

Thanks for everything

I've gone from being desperate to comfortable thanks to the stability of my monthly payments I am looking forward to being deat free in another 12months or more Reviewed on: 23rd May 2025

Fantastic service

Really helped me during a difficult period Reviewed on: 23rd May 2025

Quick and easy and very competent, knowledgeable and...

Quick and easy and very competent, knowledgeable and professional in my experience. Reviewed on: 23rd May 2025

Saved me so much heartache

My world was falling apart I couldn't sleep because of the worry of how I was going to pay all my debts, StepChange helped me sort out creditors and a payment plan my life is so much easier thank you StepChange. Reviewed on: 23rd May 2025

4 years plus in to the arrangments and no issues !

4 years plus in to the arrangments and no issues ! Reviewed on: 23rd May 2025

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