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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

I was really struggling with my finances, when I cal...

I was really struggling with my finances, when I called step change they went through everything and took the time with me to sort it and give me the best advice for my circumstances. So much pressure and stress was relieved from dealing with them. I could not have done it without them. Staff are always warm and helpful nothing ever to much and never feel judged for my circumstances. Reviewed on: 18th May 2024

if you listen to their advice you WILL see the light...

if you listen to their advice you WILL see the light at the end of the scary tunnel of debt. I can't thank them enough. Just be honest with them and yourself. Reviewed on: 18th May 2024

Very helpful and not judgemental with regards to mon...

Very helpful and not judgemental with regards to money situation Reviewed on: 18th May 2024

I was over 20,000 pound in debt and I couldn’t sleep...

I was over 20,000 pound in debt and I couldn’t sleep at night with the worry, but they helped me put my debt into payments I could afford. Reviewed on: 18th May 2024

Empathetic, respectful and knowledgeable.

Every representative I have spoken to, have been empathetic, respectful and knowledgeable. I am able to see a future now, thanks to their help. Reviewed on: 17th May 2024

Been helpful and supportive

Been helpful and supportive , I have managed so far to keep up with the payments and happy to clear my debt Reviewed on: 17th May 2024

Stepchange is a life changing company

Stepchange were a life changing company in regards to financial help. I had a Director level position within a company that had a multi million pound turnover, I was also racing as a semi-proffetional triathlete. Due to over training and a huge work load I contracted meningitis and was left learning to read, write and function in society again. I suffered from post traumatic asperger's and lost control of my personal financial management by running up depts on my credit cards and overdraft facilities. I managed this for over 8 years but struggled. I eventually spoke with my wife about my issues and we contacted Stepchange who were very understanding, confidential, helpful and reduced my monthly payments of around £1000 to £200 via a depth management plan that all of my creditors were onborad with. I cannot recommend Stepchange enough and I am certain they can help you know matter your situation. Reviewed on: 17th May 2024

Receiving advice and support from StepChange has hel...

Receiving advice and support from StepChange has helped me to see a way forward. I have a very long road ahead to clear my debt but it is now affordable and o feel in control which has had such a positive effect on my mental health too. I cannot recommend them highly enough. I was also able to do everything online but there is always someone to talk to and the helpline is excellent. Reviewed on: 17th May 2024

Excellent Service 5 star!

Stepchange helped me sort out all my debts into ome manageable payment and took out all the stress by contacting each of my creditors and arranging an affotlrdabke repayment plan. I really cannot thank you enough for all you have done for me. All your staff have been so supportive whenever ive called or emailed and been so kind non judgemental and helpfull. I would reccomend your services to anyone struggling financially - there is hope and help out there. Reviewed on: 17th May 2024

Simple, stress free financial help

I found myself in financial difficulty during & after Covid & was in a very bad place mentally. Step Change made the process of entering into a debt management plan very simple and stress free. By having the courage to reach out to Step Change it has enabled me to reduce my stress around my finances, which has helped me so much mentally. I could not recommend them highly enough. Reviewed on: 17th May 2024

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