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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.95 (15387 reviews)

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4.95

Based on 15,387 reviews, last reviewed 6th May 2026

21600% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

The step changes charity are very helpful The step changes charity are very helpful Reviewed on: 6th May 2026

Latest lowest rating:

1

Constantly getting emails and calls from lenders say... Constantly getting emails and calls from lenders saying I still owe them money and haven’t heard anything from StepChange Reviewed on: 6th May 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 (15387)

Review of the StepChange, Debt advice:

Step change is outstanding so effective

I have reduced my indebtedness within a short period and look forward to wiping it completely Reviewed on: 5th August 2021

Life Changing

I was feeling extremely stressed, like I was drowning in my debt. StepChange has literally changed my life. The feelings of anxiety, stress and depression are no more. I can now see the light at the end of the tunnel and live each day without the worry hanging over my head. Reviewed on: 1st May 2024

A way out of debt

I didnt know where to turn as i had accrued 20000.00 pounds of debt. i wasnt very well paid and it had mounted up from just living costs i rarely went out didnt smoke i was so embarrassed but then i was told about Stepchange and plucked up tge courage to ring them . To my shame i even lied to them about how much debt i was in but i rang them back the next day and told them everything. They worked out a plan for me on what i could afford and the relief that there was a way out was immense. I have 4 more payments to make and i will finally be debt free. Over the years i have had to amend the plan you are reviewed every year so cost of living rises in food and utilitiy bills are accpunted for or even if you just find yourself struggling. I have always been treated with kindness and respect . Reviewed on: 1st May 2024

Whenever I phone regarding my debts the personal car...

Whenever I phone regarding my debts the personal care was wonderful and so ver sympathetic Reviewed on: 1st May 2024

Amazing and empowering support

I had got myself into an unmanageable situation with my credit cards and really needed some support. Not only to step change give me options but everyone I spoke to did it with so much compassion and reassurance. I never felt judged and they made the whole process so easy to engage with, from their online tools, live chat and even the communication I received throughout the whole process. There was always a friendly voice at the end of the phone if I ever was unsure and wanted to talk things through. I can do to bed at night and sleep peacefully knowing the step change are there to support me every step of the way Reviewed on: 1st May 2024

StepChange have helped me with the stress of debt ma...

StepChange have helped me with the stress of debt management. Their customer service is reassuring and so helpful. Great service, recommended. Reviewed on: 1st May 2024

Excellent service

Easy access, helpful and non judgemental staff, excellent communication and regular monthly statements. Reviewed on: 1st May 2024

Helped me a lot get out of a lot of debt.

Helped me a lot get out of a lot of debt. Life is less stressful now. Reviewed on: 1st May 2024

Excellent Customer Service

Step change knows and understand how I feel and plan for my financial independence. Reviewed on: 1st May 2024

Very professional people easy to understand

Very professional people easy to understand Reviewed on: 1st May 2024

My experience with StepChange, Debt Management is ex...

My experience with StepChange, Debt Management is excellent because I was in a life of worries about managing my debt and I was not working to service my debt because of sickness. I did not know what to do and what would happen to me. Then I lacked to be introduced to StepChange by the Citizen advice bureau. Since knowing them, I feel relaxed, happy, no worries any more because through their help I have been able to pay my debt according to what I can afford and my debts are coming down and down. They have helped me to discipline my money, I can budget and spend wisely. They have a good team of staff who are always there to provide support and advice when I am preparing my statement. I feel comfortable ringing them and asking them anything I didn't know. Every month, they send me information when the next debit is taken from my account. If someone knocked on my door I would be free to open it than before, when I was scared with the bailiff. Thank you so much StepChange. Reviewed on: 1st May 2024

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