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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.95 (14718 reviews)

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4.95

Based on 14,718 reviews, last reviewed 9th Apr 2026

57% 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

Good client service . Good client service . Good information and guidance. Valuable advice Reviewed on: 9th April 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 (14718)

Light at the end of the tunnel!

StepChange has helped us out of a debt problem and have taken it all in their stride without commenting on or 'telling us off' as to why we got into this pickle. They are completely neutral and give a lot of help and advice as well as sorting out our creditors. It's a great relief to have them on your side. Reviewed on: 2nd May 2024

Fantastic from the start helping me sort a great pla...

Fantastic from the start helping me sort a great plan for my debt payment plan Reviewed on: 2nd May 2024

Take those first steps, they're there to help

Dealing with debt and admitting to big companies that you're struggling is terrifying. However, from the second I started dealing with StepChange it felt like it was the easiest process in the end like ripping off a plaster. Once you take the first steps of getting yourself sorted with them, you've got full support from actual human beings who care about helping you out. I frequently asked questions regarding my debts that I thought would be so stupid because it's stuff I thought I should know the answer to, but every question was answered respectfully and patiently, clarifying as much as I needed them to. I suffer from anxiety so talking to someone on the phone was always a struggle but they're readily available online too via chat which was my regular way of getting in touch as I process written word better than verbal instructions. I'm now 3-4 months into my debt management plan. I have managed with their support to clear one big debt that they were unable to take charge of (they weren't able to manage my HP on my car due to its status,but they gave me advice on how to talk to my finance company and what questions to ask with regards to clearing that myself). Because of my regular payments to them each month,it's made everything a lot easier with making outstanding payments to other debtors and with handling my own finances a bit better. It's still a struggle each month to make ends meet, but StepChange allow the freedom to breathe easier and they take away the stress of dealing with everything alone by handling your main debtors so you can deal with the smaller stresses in life. Reviewed on: 2nd May 2024

Always there to help in your most worrying times

Always there to help in your most worrying times Reviewed on: 2nd May 2024

A Godsend to those struggling with unmanageable debt...

Was struggling to cope with all my debts until Step Change took over managing them for me with one affordable monthly payment. It's given me a new lease of life. No more trying to juggle unmanageable debt! A Godsend. Reviewed on: 2nd May 2024

StepChange has given me the most outstanding help.

StepChange has given me the most outstanding help. Their guidance and support has provided a mechanism for me to cope with the debt I have and remove the debilitating worry that I endured before their intervention. Reviewed on: 2nd May 2024

without your help i would be very lost i would like...

without your help i would be very lost i would like to thankyou very much otherwise i would be in court Reviewed on: 2nd May 2024

StepChange saved me !

StepChange saved me from a breakdown as I was spiralling with debt. Thanks to their brilliant support, I have been in control of my finances and no more feeling overwhelmed and cornered anymore. Reviewed on: 2nd May 2024

Very clear and easy talking to people who know what...

Very clear and easy talking to people who know what problems people have and how to help Reviewed on: 2nd May 2024

Understanding

Very helpful and understanding, very friendly and put you at ease. Reviewed on: 2nd May 2024

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