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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.

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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)

Excellent service

Unfortunately due to unforeseen circumstances I have had to use Step Change for the second time in 18 years due to the rising cost of living! It is a weight of my mind to know they are there to help! Reviewed on: 9th July 2023

Step Change Charity

I am totally impressed with their totally Professional service. They're helpful and approachable. This is a company that doesn't judge and really give the best advice on taking the right solution. Reviewed on: 9th July 2023

Advice and Practical Help

Step Change offered personal and appropriate help and advice that enabled me to look clearly at my monthly budget and to facilitate a way to manage my debts. An invaluable service. Reviewed on: 9th July 2023

Such a relief

Step change have changed our lives, they took care of everything with creditors and set up an affordable and stress free payment to pay off debts which had spiralled out of control. I don’t know what we would have done without them and we will never get in that situation again. We are so great full that there is a service that helps people like us when needed. Thank you Reviewed on: 9th July 2023

Best company

When I contacted step change I felt I was at my lowest point, I was scared that I'd be judged because of my debts. How wrong I was, the advisor was kind and understanding and made me feel at ease, we had an in-depth conversation and compiled all the information together, the advisor kept me informed at every point of what they were doing sent me emails to remind me of what I needed to do as, due to my poor health and surgeries my short term memory is the worst,. By the end of the consultation I was relieved and actually felt proud of myself as I was no longer burying my head in the sand. Step change send me a statement every month, my repayments are manageable, they even sent me template letters to send to the debtors that couldn't be included and they completed an application on my behalf to "breathing space" which, until my initial contact with the company, I knew nothing about! I have already recommended step change to friends and family, and for the first time in what feels like forever, I can see a distant light at the end of the very dark tunnel I was in. Reviewed on: 9th July 2023

Very good advisors

i had to come to stepchange when i got in a lot of debt due to being scammed by crypto scammers ,it was such a relief to talk to such knowledgeable caring people who were so good at sorting things out ,they got the banks to allow breathing space ,and it was a big relief and weight lifted of my shoulders,then they set up a manageable payment plan ,thank you Stepchange. Reviewed on: 9th July 2023

Excellent, highly recommended if in debt

I was at my wits end , didn’t know where to turn due to rising debts. Step change supported me in getting my finances in order and once I gave them all the details they contacted the companies and set up a payment plan . This took so much stress off me. My mental health was hugely impacted as didn’t know what to do one phone call and then completing the form sorted this out for me and felt back in cony. Advisors very professional but showed compassion when dealing with me . Excellent service and would recommend anyone struggling with debt to contact them for advice . Reviewed on: 9th July 2023

One of the best decisions I made

After getting myself into uncontrollable debt I was told about step change so I contacted them and they were so helpful with my situation and helped me get back in control of my finances with some very helpful advice and debt plan Reviewed on: 9th July 2023

Helped me get my life back on track

Step change were amazing from the first contact. They were never judgemental about the financial situation I was in. They set up my debt management plan quickly and kept me updated through the process. I am now on my way to becoming debt free thanks to Step Change Reviewed on: 9th July 2023

Excellent standard of support

Stepchange was a resounding success for me and they made things so easy for me by taking control of my debts and managing and setting up my DMP with no complications Reviewed on: 9th July 2023

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