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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.917250520079854226 (18644 reviews)

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4.92

Based on 18,644 reviews, last reviewed 23rd Jun 2026

188400% 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

I have always been treated nicely when I call , as t... I have always been treated nicely when I call , as this is a stressful time for me, it had helped me carry on with work without worrying as much altho... Read more Reviewed on: 23rd June 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 (18644)

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

Me and my husband fell on hard times.

Me and my husband fell on hard times when my husband become really ill and he was no longer able to work and I needed to be his career. We couldn’t afford to pay all our bills at the price they were at and Stepchange was our last resort. They help save us & we can now manage our payments each month thanks to Stepchange. Reviewed on: 6th May 2026

StepChange helped change my life. Thank you!

Before I was hopeless, but with StepChange I was put on the road to becoming debt free and a better life. I didn’t run away from my debts but having everything consolidated down to one payment made things more manageable and less stressful. Thank you! Reviewed on: 6th May 2026

My Previous debts are safely being taken care of

Total recommend Stepchange, the set can be a bit tiresome, but well worth it as no one is chasing after me for money, and i CAN EASILY MANGAGE THE DEBTS ONLINE AS WELL Reviewed on: 6th May 2026

Very friendly and very helpful.

Very friendly and very helpful. They will help you with your debts. Reviewed on: 6th May 2026

Once I started a Debt Management Plan (DMP), they to...

Once I started a Debt Management Plan (DMP), they took over the communication with my creditors. The stressful phone calls and letters finally stopped, which gave me back my peace of mind. Reviewed on: 6th May 2026

Very helpful

Each time I do a review of my finances, they are very helpful and support me in working out an affordable budget Reviewed on: 6th May 2026

Amazing company

The team at step change have been so helpful and understanding at such a stressful point in my life. They have made such a difference financially to me and given me the chance to breathe again. Reviewed on: 6th May 2026

Very helpful and non-judgmental.

Very helpful and non-judgmental. Redundancy threw us into turmoil and StepChange gave us a solution. Very grateful Reviewed on: 6th May 2026

Stepchange is a lifesaving organisation

I was in a lot of debt and almost losing my mind as my finances had spiralled out of control and I had never been in debt before. Stepchange handled everything after I provided all the required information and I was able to make one monthly repayment, which reduced a lot of stress. My creditors also stopped sending threatening letters which was a weight off my mind. The Debt Management Plan showed exactly what payments were being made each month to each creditor and gave me an estimated debt free date. If there was ever a time that I was struggling to make a payment, the customer service team were so helpful and supportive, trying to work with me to find a solution that could keep my plan active but also keep it affordable for me. I was sometimes able to make reduced payments when times were really tough (although they don't allow you to do this regularly, which is understandable). If you find that you have to keep making reduced payments they allow you to redo your budget to fit your current circumstances. I am happy to say that my debt free date is November 2026 and im counting down the months until that time, when I will be celebrating massively with the knowledge that im finally debt free. Its all thanks to Stepchange. They have been a true lifeline for me and I cannot praise this charity enough. They made the whole process of repaying my debt easy and stress free. My online account shows my statements each month so I can always track my payments. I recommend Stepchange to anyone who is drowning in debt. I would like to thank everyone who works here for working so hard and for being kind, non judgemental and supportive. Reviewed on: 6th May 2026

I really cannot fault this company.

I really cannot fault this company. I never thought I'd be where I am now I have a few more months of my plan and will be debt free. It's been hard living within my means but I have shown I can do it. And won't be making the same mistakes again. From the very begining they have worked along side me and my debts it seems daunting but it really isn't. Reviewed on: 6th May 2026

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