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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.95 (16546 reviews)

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4.95

Based on 16,546 reviews, last reviewed 9th May 2026

88050% increase in 5 star reviews

in the past 90 days

900% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Glad we made the right decision to use StepChange We have used StepChange's service for a few years now and have always found them to be very helpful. Whenever we have to update our budget and we're n... Read more Reviewed on: 9th May 2026

Latest lowest rating:

2

Wouldn't recommend The customer service team I find to be very slow in responding, and I have sometimes had to send the same information a few times as they have clearly... Read more Reviewed on: 9th 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 (16546)

Review of the StepChange, Debt advice:

I was a nervous wreck with debts piling up after bei...

I was a nervous wreck with debts piling up after being made redundant. Stepchange was recommended by a family member and it was the best thing I ever did. They talked me through everything and set up a manageable payment scheme. Reviewed on: 19th May 2024

Exceptional StepChange team

The StepChange team are extremely knowledgeable and supportive to those who are following a debt management programme. I could not rate them high enough. The team do not judge you but instead work with you to form a budget to work to that helps you pay off your debt. StepChange give you budgetary advice that helps you stay out if debt. All the customer service advisers I have dealt with over 4 years have all been exceptional. If you are struggling with debts then you need to use this company. Best in class. The feeling of being debt free feels amazing. Reviewed on: 1st May 2024

I never felt judged for the amount I owed and the ci...

I never felt judged for the amount I owed and the circumstances I had got into. They helped set up a plan and when I struggled once they were so kind and helpful Reviewed on: 1st May 2024

Competent, empathetic solution provider

Competent, empathetic staff who listen without prejudice, provide effective solutions in a timely manner. Reviewed on: 1st May 2024

Fantastic Ongoing Support

Stepchange have been fantastic from the first phone call to their on-going support & help. Have helped me & my family to live again & hopefully only 1 year left & all my debt will be clear Reviewed on: 1st May 2024

Fantastic support when it’s needed the most.

Fantastic support when it’s needed the most. All done in a non judgemental way. Reviewed on: 1st May 2024

Step change has been invaluable in our debt management

Step change helped evaluate all our debts and what action was best suited for us. The biggest step is making that phone call and admitting you’re in need of help. They guided us through our debt management plan and organised affordable payment plans. They keep in touch and can amend our plan if circumstances change which we have done. The relief of finally being in control of our debt as opposed to it controlling us is why I would highly recommend them. There is no shame in reaching out for help. Reviewed on: 1st May 2024

Stepchange take the stress out of managing your debts!

Great advice on how best to manage your debts. Quick, easy process., great communication, huge relief they negotiate affordable repayments for you. I can’t praise them highly enough. Reviewed on: 1st May 2024

Their help has been invaluable and has helped me so...

Their help has been invaluable and has helped me so much. I was so stressed until I bit the bullet and asked for help. I am looking forward to be debt free in 2 more years. Reviewed on: 1st May 2024

Wonderful support.

My husband and I are at retirement age and prior to this, serious illness meant that our debts got out of control. Through Citizens Advice we made contact with Stepchange and they helped us put a debt management plan together. That was a few years ago and although we still have issues to deal with moving forward, our creditors now leave us alone and Stepchange manage our DMP and deal with any issues. They are a godsend and without them I don’t think I could have carried on. I can now sleep at night and I know that they will help us deal with things in the future and be at our side. As a charity they do not charge any fees like some other companies that hard sell. All they need is honesty from you nothing else. All of our monthly payments go to the creditors. We couldn’t recommend them strongly enough. Reviewed on: 1st May 2024

Struggling to survive after leaving husband

After leaving my husband and having to start again from nothing with 2 children Step Change was a big help. Private rent was 5 times more than my mortgage was. I only had my wage to live on to support 2 children, and I didn't have enough to pay my loans, catalogue and credit cards that's I'd got to refurbish and convert the mortgaged house id left behind. Reviewed on: 1st May 2024

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