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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18665 reviews)

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4.92

Based on 18,665 reviews, last reviewed 16th Jul 2026

75600% 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

Escaped my debt with step change help I was so worried about my debt they took all my details and contacted all the people I owed put a payment plan in place this was taken out on the 21/... Read more Reviewed on: 16th 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 (18665)

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

Excellent experience, dont feel ashamed when calling...

Excellent experience, dont feel ashamed when calling and talking about my debt. I am currently in around 30k debt and it was hard keeping up with monthly payments, now I pay one amount and can breath and live again. Reviewed on: 28th May 2026

There may be trouble ahead !

Didn’t know were to turn tried to sort thing out but was getting to much so called stepchange and the relief was overwhelming such a relief knowing there was help couldn’t recommend them enough Reviewed on: 28th May 2026

I couldn't do without stepchanges help and advise, t...

I couldn't do without stepchanges help and advise, they have directed me with a plan and turned my dept into stress free manageable payments, there guidance step by step has been invaluable and reduction of dept imminence, 3 more years and dept free, thank you stepchange. Reviewed on: 28th May 2026

Staff were very patient and explained everything cle...

Staff were very patient and explained everything clearly. Reviewed on: 28th May 2026

Sympathetic and very understanding.

Sympathetic and very understanding. Top rate. Reviewed on: 28th May 2026

Extremely helpful during a very difficult time

Really helpful when I needed it the most. Without any family support, I felt buried in debt and struggling to keep my accounts up to date. StepChange gave me clarity, stability, and a way forward. Reviewed on: 28th May 2026

Learn to use a spredsheet

Stepchange budgeting is no more than a starting point. I find a running spreadsheet to be an essential tool. The cheapest tablet or PC will serve, (but ALWAYS back-up your files). My current sheet was started in Jan 23 and is compiled through to Dec 27. In Dec 26 i made a note of the forecast balance for Dec 27, and the current forecast is within £40 of that. I check my spreadsheet each night against my current account and correct any anomaly. For me, the main benefit is that knowing my situation with reasonable certainty removes all worries. It's easy to balance cash flow by adjusting the timing of flexible payments versus those such as direct debits. I have been using Stepchange for over 10 years to manage a debt of over £50.000 and my forecast debt at Dec 27 will be £1293. In that time I have never missed a payment due to anyone, although on one occasion, by reason of an oversight, my current account dropped to just £12. Reviewed on: 28th May 2026

Step Change the very best advice service

I have found that step Change has been absolutely wonderful, and I highly recommend their excellent services to anyone that needs their financial advice and expertise Reviewed on: 28th May 2026

25k Debt Free

I was about 25k in debt and at a point of no return, was advised to look into Stepchange. Managed to consolidate all my loans into 1 monthly payment, set up a standing order so the money was paid directly on the date I was paid. Still received letters from loan companies but contacted Stepchange and they delt with everything. Repayments where at the maximum I could pay with little wiggle room but still getting paid and still surviving, debt is never going to be stress free but just used it as a learning experience and have since found budgeting loads easier since finishing my repayments. It's a company I never want to hear from again but owe them my life, thankyou. Reviewed on: 28th May 2026

StepChangeGreat service helped me a lot ,so grateful.

StepChange helped me a lot ,so grateful.Very professional and polite service. Reviewed on: 28th May 2026

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