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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

Genuine company

Always helpful in stressful situations Reviewed on: 18th May 2024

Fabulous great friendly helpful staff

Fabulous great friendly helpful staff Reviewed on: 18th May 2024

Always helpful and reassuring.

Always helpful and reassuring. Knowledgeable and experienced Reviewed on: 18th May 2024

Stepchange have helped me so much after getting into...

Stepchange have helped me so much after getting into trouble with my debts, they talked me through my budget and what i spend my money on so we could create o budget for my lenders, nothing is ever too much trouble with them I’ve found, a really worthwhile excessive if your struggling, I would definitely recommend stepchange Reviewed on: 18th May 2024

Great service when you are in crisis

When I was in real difficult time, Step change help was very great Reviewed on: 18th May 2024

Pleasingly sympathetic and non judgemental.

Pleasingly sympathetic and non judgemental. They fully understood my situation and provided me with a considered outcome. Reviewed on: 18th May 2024

Always been very helpful and offered good advice

Always been very helpful and offered good advice Reviewed on: 18th May 2024

Fantastic organisation and DMP very useful for me

I came across StepChange in 2017 when I was unemployed and had significant debt. I spoke to a rep and informed them of my situation and how I was unable to apply for bankruptcy due to my intended career. They were very helpful on the call and introduced me to DMP. I started with very small monthly payments whilst unemployed and this went up when I got a job or promotion. I got a default on my account which lasted for 6 years but I was fine with that because the DMP meant I didn’t have to worry too much about money. I made my final payment recently and although it was a long journey. I’m glad it’s been dealt with. Would highly recommend StepChange and their DMP process Reviewed on: 18th May 2024

After initial contact I left the first phone convers...

After initial contact I left the first phone conversation from a feeling of loss not knowing where to turn and ended up with the massive weight of debt and no resolution removed from my shoulders once StepChange took on the debts and contacted the creditors to plan out an acceptable payment plan. Truly life saving organisation. Reviewed on: 18th May 2024

Life changing help when needed.

We had built up debt steadily over several years. Step Change helped us to honestly assess our incoming and outgoings. They helped us to stop paying interest on those debts. The phone calls from debtors stopped. It has taken years but we have steadily and affordably repayed our debts. We will be debt free (apart the mortgage) in less than a year. We cannot speak highly enough and would highly recommend using Step Change to anyone. No intrusive phone calls, realistic budgets and always someone to speak to. Reviewed on: 18th May 2024

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