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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18663 reviews)

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4.92

Based on 18,663 reviews, last reviewed 12th Jul 2026

126067% 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

Best thing I done to help me with my finances. When I first got in touch with step change I was a bit worried about it. A lot of questions were asked about my finances but the person I spoke to was... Read more Reviewed on: 12th 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

Read all reviews See your review

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 (18663)

Review of the StepChange, Debt advice:

Dare to hope,!

I have been very ill with cancer. During my treatments I took my eye off the ball as the saying goes. Was too ill to deal with post and many many calls from people demanding money. I was becoming paranoid about the phone,the postman. Well debts don’t go away I didn’t know where or who to turn to, my life was such a mess, I was even contemplating ending it all. A friend came here and said why don’t we ring Stepchange the debt charity. I had nothing to lose but from that very first call, they made me feel like we can sort this out together and took me through every single step. Every person I spoke with was efficient,nothing was too much trouble, kind and compassionate. Made me feel like perhaps I could live a life. Am not the only person this happens to. Quite a bit of paperwork which I found daunting but even if I was stuck on silly questions I always got a real person to speak with. I can’t praise them high enough Reviewed on: 27th August 2024

Life savers!!!

Great company, gives me peace of mind when dealing with bills. Reviewed on: 23rd May 2025

Very reassuring in regards too helping In Very diffi...

Very reassuring in regards too helping In Very difficult times really stress free process top class Reviewed on: 23rd May 2025

Totally Satisfied.

Totally Satisfied. Any nervousness and negative thoughts I had disappeared with the initial telephone call answered by David who delivered good advice in a non judgemental pragmatic way. Reviewed on: 23rd May 2025

Good way to pay your debts without stress

Good way to pay your debts without stress Reviewed on: 23rd May 2025

100% helpfull.

Very simple to fill in, no cost and clear. NOT patronising just simple questions to answer and a yearly review to help you keep on top of things. Reviewed on: 23rd May 2025

Helped to clarify what needed paying, in what order...

Helped to clarify what needed paying, in what order and stop interest being added! Amazing help! Reviewed on: 23rd May 2025

I was drowning in debt and couldn’t see any way out...

I was drowning in debt and couldn’t see any way out until StepChange helped me Reviewed on: 23rd May 2025

They helped me sort out a payment plan that was affo...

They helped me sort out a payment plan that was affordable and relieved the stress involved in being in debt. They were very helpful without judging and sorted out the best plan for me and I am now debt and stress free Reviewed on: 23rd May 2025

Step Change - deeply impressive saviours.

Due to a prolonged absence from work due to a health condition (over a year) my wife and I found ourselves going from reasonably comfortable to borrowing on credit cards to pay the mortgage and stay afloat. After borrowing from Peter to pay Paul for a while our situation was becoming desperate - our minimum repayments were spiralling way above our ability to pay them. We seemed to be staring into the jaws of total oblivion and were completely stressed and overwhelmed. A friend recommended Step Change and from the moment we called them they calmed our fears, took the pressure off completely and renegotiated suitable repayments with our creditors and negotiated zero interest rates on our cards and loans so we could begin to rebuild our lives. Both my wife and I cannot recommend Step Change enough - their service is life changing, their advisors are incredibly calm and helpful and they are just brilliant!! I think my wife and I felt ashamed at our plight, but Step Change never judged us, they deal with everybody from all walks of life and income groups because as in our case it's not just those on lower incomes who get into debt as we proved!! We had good incomes but when we lost the biggest of those we were sinking fast. Two years down the line we're steadily repaying our debts and trying to get back on our feet and none of that would have been possible if it wasn't for Step Change. I only wish Barclays had been similarly helpful with our mortgage arrears - they have been a total nightmare over some quite modest arrears actually!!! Shame Step Change only deal with unsecured debt... Reviewed on: 23rd May 2025

Found myself pretty overwhelmed with debt as well it...

Found myself pretty overwhelmed with debt as well it becoming out of control. Once I contacted Stepchange I had noticed the debt became more manageable as time went on over the next few months. Reviewed on: 23rd May 2025

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