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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18646 reviews)

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4.92

Based on 18,646 reviews, last reviewed 25th Jun 2026

188500% 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

Supported me through every stage of my IVA Completed an IVA with StepChange — it ran longer than planned thanks to emergency spending and furlough, but they were solid throughout. Never felt li... Read more Reviewed on: 25th 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 (18646)

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

Struggled with my debts. until StepChange stepped in.

I was struggling to manage my debts. and paying my creditors too much. So I went without food, heating and clothing, and my general will-being deteriorated. Also the stress of having to manage 5 or 6 creditors was wearing me down. Step Change have been indispensable. They showed me how to distribute my meager income fairly amongst my creditors, whilst leaving enough for me live quite comfortably. The stress has been relieved and I am very grateful to Step Change. I wish I'd gone to them sooner. Reviewed on: 11th June 2025

very accommodating and helpful in answering questio...

very accommodating and helpful in answering questions and getting my finances sorted quickly Reviewed on: 11th June 2025

Step change has helped me

Step change has helped me with my financial situation fantastical. Professional, non judging and fair. Reviewed on: 11th June 2025

Help with Debts

Help me with my debts and gave me piece of mind Reviewed on: 11th June 2025

Efficient and simple

Made the whole process easy and would recommend. Reviewed on: 11th June 2025

I now feel secure again.

Step Changed helped me to deal with my debt. They helped to set up an affordable payment plan. Before step change I was suffering from stress. Sleepless nights.,and a feeling of no way out of my situation. Everyone I have spoken to at step change have been very polite and helpful and have given very positive advice. Thank you. Reviewed on: 11th June 2025

I can honestly say by contacting StepChange they sav...

I can honestly say by contacting StepChange they saved me and my home. I have just paid my debt off and have always had good support whenever I have contacted them whether it was queries or doing my annual review. I would recommend them. Reviewed on: 11th June 2025

"A Lifeline in My Time of Crisis

I was going through a severe mental and financial crisis and didn’t know where to turn. When I contacted StepChange, I was overwhelmed and emotional, but they were incredibly patient, supportive, and understanding throughout the entire process. They helped me arrange affordable payments to all my creditors, taking an enormous weight off my shoulders. The relief I felt was immediate, and over time, my mental health significantly improved. I truly believe that call changed the course of my life. Thanks to StepChange, I was able to regain control and start rebuilding—not just financially, but emotionally as well. I’ve recommended their services to others and will continue to do so, because they gave me my life back. I will always be deeply grateful. Reviewed on: 11th June 2025

An amazing source to help manage your finances

I’m so happy I reached out to StepChange to get the support I needed to manage my debt. They made everything straightforward and easy to understand so I could get a workable debt management plan in place without falling back into old habits Reviewed on: 11th June 2025

They have been super helpful and efficient in organi...

They have been super helpful and efficient in organising our debt and contacting our debtors. The process was easy and the staff are always patient and helpful. I would highly recommend. Reviewed on: 11th June 2025

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