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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.

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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)

The staff are un-judgemental and extremely helpful.

The staff are un-judgemental and extremely helpful. Reviewed on: 3rd May 2024

Thank you StepChange. I'm now Debt Free and Stress free

4 years ago I realised that although I had never defaulted on my credit cards and loan payments, always the paying what was asked for on my statements new regulations from the banks put me into what they termed 'persistent debt' increasing my monthly payments. Being self-employed at the beginning of the Covid epidemic and not being able to work I was finding it impossible to make the monthly repayments. This situation caused me incredible stress and sleepless nights. I initially went to Citizens Advice who referred me to StepChange. From my first phone call to them I received positive advice and support of how to proceed to become debt free. StepChange helped me with my monthly budget and cancelling the interest being charged by the banks on my accounts, relieving my stress and anxiety regarding my financial situation. The benefits of dealing with my creditors through this incredible organisation took a great weight of my shoulders. Although I was told it would take me 4 years to complete my Debt Management Plan, I knew with the ongoing support of StepChange I would be able to manage my finances through this period and become Debt Free! During this period I did at times find it difficult but StepChange were at the other end of the phone giving me positive support and advice. Last month, after 4 years I became totally debt free with a positive and stress free future regarding my personal finances. THANK YOU STEPCHANGE !! for all your help and wish your incredible organisation and your debt advisers all the best for the future of your Charity. Reviewed on: 3rd May 2024

Excellent Service

Very sympathetic people with helping hands who provide tailored advice to the clients Reviewed on: 3rd May 2024

Very Helpful

StepChange helped sort out my credit cards. I have now made my first payment and it feels great to see the solution working. Thank you StepChange - Everyone at StepChange was understanding and Very Helpful. Reviewed on: 3rd May 2024

Best thing I did was to switch to stepchange.

I switched to Stepchange after a number of years with a different (commercial) debt management company- it was the BEST thing I could have done. Cannot thank them enough. Kind and non-judgemental but professional. Reviewed on: 3rd May 2024

I was very worried about finances following illness...

I was very worried about finances following illness & disability. I was scared to discuss this but Stepchange advisors & processes really helped and the DMP plan that was agreed has given me peace of mind. Also I feel confident to approach Step change & have recommended others to do so. Reviewed on: 3rd May 2024

Was given a budget over the whole of my plan that le...

Was given a budget over the whole of my plan that left me able to pay off my debt. Reviewed every year so I was still able to pay monthly payments without struggling financially. Reviewed on: 3rd May 2024

Valued information and opinion at worrying times.

At a very distressing and confusing time StepChange helped giving me clarity of thought and reassurance, particularly re my bank, with whom I'd been a customer for over 40 years and who no longer could give a monkey's about me! Reviewed on: 3rd May 2024

Before speaking to Stepchange, I had sleepless night...

Before speaking to Stepchange, I had sleepless nights a constant worry. Stepchange took me through the repayment process, at no point making me any false promises. I now piece of mind and above all I can sleep. Reviewed on: 3rd May 2024

Talk to Stepchange if you are Struggling

I didn’t know where to turn with my money issues. I was sceptical at first and embarrassed by my amount of debt, but by contacting stepchange it was the best thing I did. I’m still paying off my debt now but can finally see the finish line approaching. Took so much pressure of my mind having a DMP and stepchange have helped all the way Reviewed on: 3rd May 2024

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