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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18660 reviews)

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4.92

Based on 18,660 reviews, last reviewed 8th Jul 2026

189050% 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:

4

I had a 10. MY CRITIQUE I had a 10.5 hour lower back spinal surgery which made it difficult for me to even sit for a certain length of time. However, this form is so long and... Read more Reviewed on: 8th 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 (18660)

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

Fantastic experience however I do not like the fact...

Fantastic experience however I do not like the fact that Step change have to ask you to clarify what you have inputted online along with the fact that you cannot change your monthly payment easily. Reviewed on: 6th May 2026

The people are good and very helpful

Very good and people friendly and professional Reviewed on: 6th May 2026

Stepchange have taken alot of worry off me to which...

Stepchange have taken alot of worry off me to which I am grateful and I will be recommending them to friends and family. Reviewed on: 6th May 2026

Step Change helped me get in control of my finances.

Step Change helped me get in control of my finances. Every single person ive spoken to has been helpful and compassionate and im truly grateful for thier help and support Reviewed on: 6th May 2026

Help when I needed it most

I was in trouble financially, things had got on top of me and I felt there was nowhere to turn, however I found Step Change and they really helped. Virtually all of the actions were on line so not lots of embarrassing phone calls, and Im now on the way to being debt free. Reviewed on: 6th May 2026

No one was coming to save me. Changed my life.

Step change has changed my life. Single parent, part time carer and full time nursing student - I was drowning in debt (22K) which accumulated from bad financial decision making, having children young, always in full-time work however with one income relied on credit cards to help - over 8 years this accumulated, I didn’t know a way out, I was offered an IVA through a private company however after realising only 8% of my monthly payback was going to the creditors it didn’t feel right. I borrowed the money - I wanted to PAY it ALL back a rightly so. Therefore a friend had used Step Change - I won’t lie, the time spent forumulating a plan, getting all the creditors in place and happy took 5-8 weeks however now repaying £384 a month (doable) and knowing my money is going back to creditors makes me feel on top of the world. I will never look at credit the same, I was young, no help from family or friends, children and single however working full time I was barely keeping myself above water - genuinely step change has changed my life. I have 4 years and 10 months with the them to pay my creditors off however this is doable and I’m meeting the payments each month now and not worrying about paying my creditor back - the stress is elevated. I would recommend Step Change to anyone. I knew noone was coming to save me, however StepChange gave me a life line and really changed my life. Thank you! Reviewed on: 6th May 2026

I was seriously worried and stressed about my financ...

I was seriously worried and stressed about my financial situation within a couple of minutes l was spoken to in a kind helpful supportive way extremely non judgmental Reviewed on: 6th May 2026

Step change make it simple

Step change make the whole process of setting up a debt management plan as simple as following the guide step-by-step.Even the initial steps of preparing the budget let's you feel like you are starting to take back control. Reviewed on: 6th May 2026

Helping with my debt

I am so grateful to Stepchange for helping me with,y debt there website is so easy to navigate and filling in the form is so easy and to be able to check whenever I want on my account cannot recommend them enough for there excellent work Reviewed on: 6th May 2026

I was in dire straits financially until I went to St...

I was in dire straits financially until I went to Stepchange. Everything was sorted for me which was an enormous relief. The staff are always on hand to help with any query. I'd recommend them to anyone. Reviewed on: 6th May 2026

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