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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18646 reviews)

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4.92

Based on 18,646 reviews, last reviewed 25th Jun 2026

188500% 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

Supported me through every stage of my IVA Completed an IVA with StepChange — it ran longer than planned thanks to emergency spending and furlough, but they were solid throughout. Never felt li... Read more Reviewed on: 25th June 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 (18646)

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

Can't recommend enough. Gave me my quality of life back

I felt overwhelmed before using Stepchange. Just getting ahead of one debt and 2 others get behind aswell as general living expenses. After using step change, the debt monthly repayment reduced to one manageable sum, the letters and phone calls stopped so my mental health and general quality of life improved. Now it's just one phone call or online assessment a year to show what you can pay a month for the next year and all the stress is gone. Reviewed on: 23rd May 2025

Thank u for Solution focused payment plan

Imagine working full time but due to circumstances beyond your control you are barely breaking even and any e tra bill tips you into the red. You look for help and end up with a bank that repayments have finished you off … so you work hard but you can’t sort out your finances . I was a desperate hardworking professional and until I found Step change I was unable to move forward financially as I was drowning slowly and the stress was going to affect my job which holds slot of responsibility. Financial issues affect all sorts of people . What is difficult for those who are working is nothing offers relief or practical help . Step change gave me options for the first time! Step change gave me advice that helped, Step change gave me time to look closely at my finances and we’re not judgemental but solution focussed. I felt for the first time that I could be in control and set up a payment plan that actually worked for me and those I needed to pay. Now I am down to one payment . Reviewed on: 23rd May 2025

They are so helpful, efficient and understanding.

They are so helpful, efficient and understanding. Reviewed on: 23rd May 2025

Suicidal to living again.

StepChange made me change from suicidal to supported with a plan to follow. I have been with them 4 years now with 2 to go until I am debt free. The budget they drew up for me took into account the costs of my therapy dog (I thought he would have to go back to the charity that brought him into my life) and, after a long period of illness and being in hospital, reviewed my budget to allow me 2 carers which the NHS had been supplying but lost when I was discharged back into community care. Reviewed on: 23rd May 2025

Path forward.

I was scared and overwhelmed having been left with a debt mountain by my husband.I was left to bring the children up with limited means and debt..The debt demands were stressful. I took them to step change who helped negotiate a way forward. 9 years on I've nearly paid my debt off and can see a brighter future..My advice would be to face the debt with an advisor and be realistic on a way through it. Debt is something embarrassing but you will find you are not alone. Reviewed on: 23rd May 2025

StepChange helped me with a DMP to carry on paying m...

StepChange helped me with a DMP to carry on paying my debts, after becoming seriously ill and was not able to work this made my income fall making it impossible for me to pay my debts Reviewed on: 23rd May 2025

They help with my peace of mind, recommend them to e...

They help with my peace of mind, recommend them to everyone who needs help. Reviewed on: 23rd May 2025

Life savers.

Life savers. They took away all the worry Reviewed on: 23rd May 2025

Excellent service

I didn’t feel happy with my debts and it was embarrassing contacting stepchange but I’m so glad I did. Everyone I have spoken to has been so friendly and I never felt judged they understood what I was feeling and helped with by taking control of my debts and they contacted all my creditors which took away my stress. I have 1 payment to make each month. I have been helped every step of the way Reviewed on: 23rd May 2025

I was in such a mess with debt and really didn't kno...

I was in such a mess with debt and really didn't know where to turn.i found out about step change there help and advice has been invaluable.they really don't make you feel bad about your financial situation but help to set an affordable plan to pay your creditors ,they do all the work on your behalf at no cost to yourself.i now pay a set amount each month which is affordable and doesn't leave me short and my creditors ate paid .I now have peace of mind and no debt letters arriving which I dreaded the post coming .step change do not judge so id advise anyone in the same situation to contact Step change for peace of mind ,they are non judgemental,helpful I really cannot thank them enough . Reviewed on: 23rd May 2025

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