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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.95 (14717 reviews)

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4.95

Based on 14,717 reviews, last reviewed 30th Mar 2026

71% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Get out of confusion get out I being stuck with heavy debt and was going into it more and more Step change had sorted all creditors by one stop solution and at the money I could a... Read more Reviewed on: 30th March 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 (14717)

Review of the StepChange, Debt advice:

Steps to mindful financial management

Step Change provided informative and easily accessible financial management support, at a time when I felt overwhelmed by debt and without any other alternative repayment options. Reviewed on: 9th June 2025

A Gem in Debt Management

They have been very friendly, helpful and extremely professional...They have helped me a lot to manage my debt by giving me advice and were very helpful when I was in stress regarding my debt. Reviewed on: 6th May 2024

StepChange were amazing, very helpful and not judgme...

StepChange were amazing, very helpful and not judgmental at all. They were very understanding and easy to contact. Always friendly on the phone and made a bad experience in my life so much easier. Reviewed on: 6th May 2024

Thank you, StepChange.

Very helpful, informative and supportive customer service. Thank you, StepChange! Reviewed on: 5th May 2024

I came to step change 2021 they have been so helpful...

I came to step change 2021 they have been so helpful would recommend them always. Reviewed on: 5th May 2024

I am very happy with stepchange solutions.

I am very happy with stepchange solutions. Reviewed on: 5th May 2024

Worries about debt and no where to go.

Worries about debt and no where to go.step change have cancelled my direct. Reviewed on: 5th May 2024

Always willing to help and you are never judged no m...

Always willing to help and you are never judged no matter how much debt your in. .your given great help and advice and given the best solution for your needs . Always given advice to call back if your situation changes and can not pay your month payment. Reviewed on: 5th May 2024

Staff patient and professional.

Staff patient and professional. Quite helpful. When I was working ( now retired) recommend to client who also found the service beneficial. It’s a much needed service in these difficult Financial Times. Reviewed on: 5th May 2024

Always together with StepChange.

All matters and problems are solved: professionally, with thorough knowledge of the matter and in a very polite manner, all this for clients. Thank you very much. I am very satisfad. Reviewed on: 5th May 2024

Without Stepchange, i would have lost everything!

Without Stepchange, i would be homeless, with huge debts. I had an excellent job, which went with an excellent salary. Very suddenly, i became ill and could no longer work. I had to purchase my car, which was on a plan... updating yearly, credit card debts that added up to more than my house cost (in 1994), but completely manageable whilst working and a mortgage left to clear. So, in a nutshell, all my finances were perfectly manageable one day, but the next, i had nothing. I did have a medical retirement payment, but i put this directly into my mortgage, reducing it to only about 11,000. I reviewed all of my credit cards and the car and could see that my new Incapacity Benefit and Disability Allowance would never cover even the basics, never mind my debts. I contacted the Citizens Advice and they helped me with the options open to me. I did not want to go to court and make myself bankrupt, as this would have been too hard, with my health problems. Also, i would probably have had a CCJ against my name, making it difficult to recover to a normal life again. They also suggested Stepchange and they came to the rescue. It was so simple, they just take your income and outgoing monies per month, tell you how much you could afford to pay your Creditors and they distribute your payment appropriately. OK, so it takes a long time, if you owe a lot, but they review your payments each year. Another wonderful feature they offer, is a month payment break for emergency expenditure. I have been with Stepchange since 2019 and i cannot believe that i still have my home, my car (ok, so it was purchased new in 1999!), but it still runs. I guess, if i had chosen to go bankrupt, all of these "assets", would have been taken? Life is tight and as i get older, i need more in the way of things like dentistry, etc., but StepChange understand and will talk things through with you to see where adjustments can be made. They gave me my life and dignity back... still a few years to go, but then i will be debt free. I will be forever grateful to them and there continuing assistance. Reviewed on: 5th May 2024

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