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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18660 reviews)

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4.92

Based on 18,660 reviews, last reviewed 8th Jul 2026

189050% 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:

4

I had a 10. MY CRITIQUE I had a 10.5 hour lower back spinal surgery which made it difficult for me to even sit for a certain length of time. However, this form is so long and... Read more Reviewed on: 8th 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

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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 (18660)

Review of the StepChange, Debt advice:

Step change have been my saviours

They have helped me more than any words can express and I will be grateful to them for the rest of my life Reviewed on: 8th July 2020

Helpful and trustworthy service

Very helpful advice managed to get affordable repayments agreed and ease myself out of trouble, talked to companies concerned and got an agreement Reviewed on: 11th May 2024

Review of Debt Management Plan

Given the situation I have found myself in, the help and guidance provided by Step Change has been invaluable. It has left me feeling much less stressed about my situation and more positive about the future with managing my debts. The people I have spoken too are brilliant with how they approach your problems. For anyone in a similar situation I would recommend Step Change for help without any hesitation. Reviewed on: 11th May 2024

A weight of your shoulders

Really understand a persons situation and great at helping find the right solution Reviewed on: 11th May 2024

Saving my life

I’ve given a review title saving my life which is very true about eight years ago I was in a financial mess I had maxed out up to eight credit cards and couldn’t afford the cost of my sons wedding in Cyprus I had to borrow the money from my partner I was only paying the minimum on my credit cards and every month my balance was not going down I contacted step change for support and supplied you with my card details it worked out that I owed just short of £38000 I really didn’t know I owed that much stepchange sorted out a payment plan based on my wages and outgoings the interest on the cards stopped and I was able to slowly reduce my debts I’m still about a year away but now it’s down to just over £1500 when covi hit you reduced my payments by half you cannot understand how grateful I am and I have recommended you to my friends thankyou so much for the help you provided I will forever be grateful Reviewed on: 11th May 2024

Stephanie were brilliant when I first asked for thei...

Stephanie were brilliant when I first asked for their help. Practical, non judgemental advice and support. I have been under their care for a few years now and continue steadily, with their help, to pay my debts off. Reviewed on: 11th May 2024

Help When You Need It Most

Very experienced and knowledgeable staff helped me and my family get out of a very difficult situation and we are now debt free. Reviewed on: 11th May 2024

A godsend in this current climate

Like many in the current economic climate, I have been experiencing financial difficulties, with the anxieties that these have invoked. The advisor that I spoke with at StepChange did much to reassure me and provided no-nonsense advice for getting my finances back in some sort of order. The relief that I felt at getting my concerns voiced and listened to, with the practical steps suggested that I take have helped lift some of the pressure that I have been feeling. There’s still a long way to go, but now that I’ve made the first ‘step’ then I feel less anxious about tomorrow. The service that they provide (and it’s free) is a godsend to individuals like myself who are feeling the impact of this current government’s economic policy, where those with little are being squeezed ever tighter. Reviewed on: 10th May 2024

I've got mental health back.

they don't judge you and are trained in the Law. You learn how to manage with what you have.. It's how are grandparents lived. You appreciate life with less money but enough to get by. You are not alone and they are a life saver. I'm still paying small amounts, I still owe thousands with the bank but they support your back. Reviewed on: 10th May 2024

Post bereavement finacial debt

I got myself in financial trouble when my husband died and StepChange were able to reassure me that I actually wasn’t in as much trouble as I thought, they were very sympathetic and understanding and have sorted out a payment plan that I can afford. I would definitely recommend them to anyone who finds themselves in a similar situation Reviewed on: 10th May 2024

I was on a Debt Management Plan for Many Years..

I was on a Debt Management Plan for some Years but they helped me by working out what i could Afford to pay Each Month and I Payed it Each Month and having regular Review's making sure I could afford my Commitment, StepChange Contacted my Debtors there were Three and gave them my statement of Earnings and what i had left over to pay between them and they accepted it, As i mentioned i had regular review's and Eventually i was Debt Free. Before i had contacted StepChange I contacted my Debtors and Offered what i could Afford They wouldn't accept it, As StepChange is a reputable Debt Management Organisation My Debtors accepted my Payment Plan and it was less than i Offered in the beginning, But Eventually i was Debt-Free and I Love it. It's Such a Relief, I am Really Thankful for the Help i Received From StepChange they made it so Easy and i would recommend them to any one that had Debt Problems. Reviewed on: 10th May 2024

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