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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:

Step change have been my saviours

They have helped me more than any words can express and I will be grateful to them for the rest of my life Reviewed on: 8th July 2020

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

it was a great , best service and on time they do th...

it was a great , best service and on time they do the job and process. Reviewed on: 5th May 2024

Stepchange are fantastic they are understanding,

Stepchange are fantastic they are understanding, compassionate. They really helped me get my depts in order. They gave me breathing space and took away the stress of being in depth. Reviewed on: 5th May 2024

I'm fighting hard to clear my debt.

I'm fighting hard to clear my debt and, struggling with my head in the process Reviewed on: 5th May 2024

Excellent Service

Thank you step change you have really helped solve my problems. I have had very good experience with yourselves and would certainly recommend you Reviewed on: 5th May 2024

It was the best step I have ever made.

It was the best step I have ever made. If it wasn’t for my Mum telling me to get in touch, god knows what and where I would be now. I was so ashamed of myself, just make that phone call and you will feel the weight lifting off your shoulders- without a word of a lie. Reviewed on: 5th May 2024

StepChange has been life changing

I was in an absolute dire situation with debt, and Step change took control and put me on a debt management plan. It’s the best thing I’ve ever done. I highly recommend anyone who is struggling with debt to get in touch with StepChange. Reviewed on: 5th May 2024

Thanks stepchange!

Really helped me out, got all my debts consolidated into one affordable monthly payment. When I had a couple of months struggling they sorted out lower payments, and you can adjust your monthly payment if your circumstances change. Whenever I have had to contact them they have been supportive and professional. Reviewed on: 5th May 2024

Step change helped me with my dept I was able to ge...

Step change helped me with my dept I was able to get back on my feet. They are friendly, knowledgeable, understanding. Reviewed on: 5th May 2024

Helpful & Understanding

From the original enquiry to the setting up of my debt management, they have been really helpful and understanding of my circumstances. It is a relief to be semi debt free and have some money to be able to live. Thank you! Reviewed on: 5th May 2024

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