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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.95 (14720 reviews)

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4.95

Based on 14,720 reviews, last reviewed 16th Apr 2026

25% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Amazing service Stepchange have been amazing help. Debt advice plan in place amazing customer service Reviewed on: 16th 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.

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 (14720)

Review of the StepChange, Debt advice:

Steps to mindful financial management

Step Change provided informative and easily accessible financial management support, at a time when I felt overwhelmed by debt and without any other alternative repayment options. Reviewed on: 9th June 2025

Thank you step change

Step change has really helped the friend I put in touch with them. He was very depressed about his situation and couldn't see a way out. Together we spoke with the SC advisor and within a few months he was beginning to see a light at the end of the tunnel Reviewed on: 1st May 2024

Step change took me from mentally lost, angry, frust...

Step change took me from mentally lost, angry, frustrated, and at breaking point to a more relaxed person over a period of time. Yes debt is frightening but once I got my pride out of the way and asked for help it was a step up the ladder. Phoning stepchange did make my feel embarrassed and a failure talking to them but they made me realise that I'd made the first step to feeling better about myself and with their help I would feel more better about myself and not feel I wasn't coping alone. This helped me, but not just myself but also my family who saw eventually a more relaxed person about my financial situation. I'm not saying it's easy but it is overwhelming to have the great weight lifted from your shoulders. Over time they review things and work for you and not your debtors. If you are struggling with payments via stepchange their review allows you to reduce your payments if that's what you need for you. Remember they are all about YOU!! The hardest part as I found was making the first phone call and must have put it off for about 6 months telling myself, I can cope, just juggle this and that this month and next month things will be better. No sorry that just didn't work. My stepchange payments have gone up and down over time due to work situations so unlike paying debtors you don't get overwhelmed again and everything feels manageable again and you can claim your life back. Reviewed on: 1st May 2024

Very helpful

Excellent customer support and very empathetic service. Reviewed on: 1st May 2024

I owed £33k and had defaulted on payments just afte...

I owed £33k and had defaulted on payments just after Covid, I thought there was no way out , I contacted step change and they helped me sort my debts out, 3 years on I have paid half of it back , I now have a life and don’t live in fear everyday of creditors contacting me. They saved my life! Reviewed on: 1st May 2024

Stepchange helped Save my life

I was in a difficult situation and became deeper and deeper in debt. They saved my life. Thought there was no hope. Friendly staff very empathetic and understanding Reviewed on: 1st May 2024

THEY HAVE REALLY HELPED ME WHEN I WAS CLOSE TO LOSIN...

THEY HAVE REALLY HELPED ME WHEN I WAS CLOSE TO LOSING MY HOME BECAUSE MY IVA REQUEST WAS REJECTED. Reviewed on: 1st May 2024

Free and Amazing Debt Support

I went to Stepchange when I couldn’t afford my loans, store cards, student loan, catalogue and other unsecured debts and from the minute I did they were amazing. I thought they would judge me but they didn’t. I collected all the letters from debt collection agencies and they went through everything and now I’m paying them an affordable amount each month and all the calls letters and default notices have stopped. Please just contact them I had nearly 30th in unsecured debts and there is nothing they can’t help with even ccj’s. It’s the best thing I ever did. Just call them nothing is too difficult for them to help you with Reviewed on: 1st May 2024

Stepchange

After being left with unmanageable debt and all the stress and worry that goes with it, Stepchange, CCCS at the time, have helped me through. I am very close to being debt free and will be forever grateful for the help and support received. Reviewed on: 1st May 2024

Step Change have given me peace of mind .

Step Change have given me peace of mind . Reviewed on: 1st May 2024

Way Out 2018!

I got into debt through trying to help a family member and the credit card companies increasing your limit without asking! StepChange took charge, handled everything and lifted the worry right off my shoulders! Reviewed on: 1st May 2024

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