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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18657 reviews)

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4.92

Based on 18,657 reviews, last reviewed 4th Jul 2026

188950% 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

New life .. I have been with stepchange from the beginning and I hope next week is the end all the staff help trough this bad time I never made it without them al... Read more Reviewed on: 4th 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 (18657)

Review of the StepChange, Debt advice:

It was absolutely fantastic help from start to finish.

It was absolutely fantastic help from start to finish. It took 8 days in total. I'm sitting here now a lot happier than I was 3 weeks ago. They put me forward (against their recommendation) for a DRO, which was passed 2 weeks ago, and because I have their backing, I have been able to liaise with my creditors a lot easier, and they have actually helped me due to my underlying health issues. Thank you to them all from Stepchange and also Money Wellness (the people who organised my finances and submitted my DRO application) From the bottom of my heart, THANK YOU. They all deserve credit and praise for their hard work. Reviewed on: 24th August 2024

Nice and easy to access it has me peace...

Nice and easy to access it has given me peace of mind Reviewed on: 27th May 2025

i dont know where i would be without stepchange.

i dont know where i would be without stepchange. all the stress and worry. ive had an awful time as my daughter passed away. Reviewed on: 27th May 2025

They were really helpful and quick in what they do

They were really helpful and quick in what they do Reviewed on: 27th May 2025

Excellent help and support totally understanding sta...

Excellent help and support totally understanding staff Reviewed on: 27th May 2025

I was in the dark and didn't know what to do,my loan...

I was in the dark and didn't know what to do,my loan was high and it was affecting me and my family not until I picked up that phone and call step change everything felt good.light at the end of tunnel, customer service very very good,would recommend step change to anyone struggling to pay their debt it will make a great change Reviewed on: 27th May 2025

The light at the end of the tunnel

Stepchange provided me with not just money relief they provided me with stress relief. I was spiralling further into debt when I found their service and they stabilised me. Their help and guidance is the light at the end of the tunnel. I am less than a year away from the end of my DMP and they have taught me how to be more responsible with my money. I highly recommend contacting them if you need help too. Reviewed on: 27th May 2025

£1,000 p/m to £60 thanks to Stepchange

I approached step change after I became overwhelmed with debt repayments and got caught up in the horrific cycle of debt. I had a consultation that was blame-free (stepchange don't care why you've found yourself in debt, they care about how they can help you out of it) and were very helpful. I work in Finance and they were careful to advise if I had an obligation to tell my employer. In many cases, this isn't necessary. Stepchange facilitated the move from me paying the banks £1,000 a month to me now paying £60. It's manageable and I can live my life feeling a sense of dignity again. Reviewed on: 27th May 2025

This choice changed my life

I can sleep at night knowing that I will not have anyone knocking on my door looking for money. Before I went to Stepchange I ended up at the doctors & having to go on antidepressants because I was so exhausted with the worry of my situation. I just wish I had gone to Stepchange sooner, they were so helpful & immediately lifted my mood after speaking to them, I would highly recommend them. Reviewed on: 27th May 2025

StepChange has helped bring my debt under control

My finances had got unmanageable - I wanted to pay back as much as I could, but my monthly income was being eaten away by increasing costs so I became impossible without more debt being incurred. The StepChange process, done largely online, was thorough but clear and has helped me to enter into an agreement that means I can pay back a reasonable chunk of the borrowed and owed money to my debtors over a set period of time. The light at the end of the tunnel is visible, I am able to manage the payment load and will soon be cleared of my own financial failings to start afresh from a money point of view. Reviewed on: 27th May 2025

StepChange has changed my life.

For me help and support from StepChange has been life changing. As a result of ill health, advancing years and the major ongoing consequences of the Covid Pandemic on my work opportunities I found myself entering a downward spiral where I was trying to maintain everything I was used to with a dramatically reduced income. In no time at all I had run up debts just to cover genuine living expenses, certainly not to fund any frivolous, extravagances. I exhausted all of my savings trying to financially survive and to service the obscene rates of interest applied to overdrafts and credit cards. I realised fairly early on that this situation was dangerous especially when I was buying just about everything including essentials such as groceries on credit cards. I knew I had to do something about this situation but I experienced an unexpected paralysis where I couldn't face up to what I regarded as a personal failure knowing full well that it was unsustainable and only going one way. Then, purely by chance, I had a conversation with someone who had been in a similar position and who had changed their life by contacting StepChange and following their recommendations. I did the same, but even then it took me a while to come to terms with my perceived failure and finally document my exact financial position. StepChange did not judge, they just helped. Once everything was out in the open and a Debt Management Plan was instigated, my life changed. Everything they suggested made sense and was all based in common sense and probably most importantly was affordable and based on actual income. Gone were the endless sleepless nights punctuated in the darkest hours with worries about debt and the dread of yet another notification of rate increases and the endless manipulation of debt by transfer to a 0% card offer which only temporarily relieved the critical issue. I had also tended to shoulder the true extent of my predicament as I didn't want to worry my family. My home life improved as we could suddenly all see beyond this crisis and realise that there is a way to deal with this huge black cloud over your life. StepChange has helped me to restart my life again for which I am very grateful, and to come to terms and deal with all that has dragged me down for the last few years. I no longer have any Credit Cards or Overdrafts. Reviewed on: 27th May 2025

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