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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:

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

I was in a desperate state.

I was in a desperate state. Really scared. A friend recommended stepchange. After the phone call I can tell you how relieved I was. I had gone from overwhelmed to calm and grateful Reviewed on: 23rd May 2025

Very helpfull understanding and do no judge you

Very helpfull understanding and do no judge you Reviewed on: 23rd May 2025

Always such a great help, would strongly advise using!

Always such a great help, would strongly advise using! Reviewed on: 23rd May 2025

Stepchange takes away the worry

Stepchange. Took most of the worry and fear away from dealing with creditors. Dealing with them has made it possible to go back to a normal life. Reviewed on: 23rd May 2025

Great service.

Great service. Really helpful. Helped me manage my debts really well. Reviewed on: 23rd May 2025

Satisfy Customer

I am very lucky to come across stepChange Reviewed on: 23rd May 2025

This is a Life Saver.

This is a Life Saver. You just lift the phone and speak with someone and from the start you feel relieved. You get to unload the heavy weight of financial struggles to peace of mind. Reviewed on: 23rd May 2025

Amazing service helped me from dispair for 11 years...

Amazing service helped me from dispair for 11 years it’s helped me cope and survive .Truly a life saver! Reviewed on: 23rd May 2025

From desperation to determination

Going over my debt and listing all creditors and balances was challenging but so worth it. I’m now well into repayment. Advisors at StepChange are friendly, professional, patient and knowledgeable. Contacting StepChange changed my life and my perspective. Can’t rate them highly enough. Reviewed on: 23rd May 2025

Getting my life back...

I came to stepchange feeling very much like I was drowning. I didn't have a good relationship with my money and had managed to get myself very much in deep debt. It took a lot of time to work up the courage to realise I had a problem I couldn't get out of alone, and finally reach out for help. Stepchange have provided me with a priceless service. I told them how much I owed and who to. No judgement at all as I cried down the phone. They asked for my incomings and outgoings; taking into account even the smallest details, like how much I needed for clothing and food as well as regular bills like gas and electricity. I can access these details online at any time and change them. If my gas bill goes up, they can change how much I pay off per month, based on what I can comfortably afford. It's not easy, but with Stepchange, I'm learning to manage my money better and paying off my debt at the same time. Sure, I can't afford a holiday, but it's worth it to know that it's going to be okay in a few years. I can see my progress and how much I still owe vs how much I've paid off. They tell you when your debt will be paid off in full. This can change with alterations to bills, but it makes it so easy to understand where my money is going. For the first 6 months, you can also apply for "breathing space". This means that the people you owe money to can't phone you every day to badger you about due payments. I still get the odd letter through the door, but it's not as scary anymore, because I know Stepchange has it all handled. I'm so grateful for them. I feel like I'm working my way towards getting my life back. Reviewed on: 23rd May 2025

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