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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18682 reviews)

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4.92

Based on 18,682 reviews, last reviewed 28th Aug 2026

93% decrease in 5 star reviews

in the past 90 days

86% decrease in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

I got the help I needed to sort all my debts out and... I got the help I needed to sort all my debts out and now I am debt free Reviewed on: 28th August 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.

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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 (18682)

Step Change saved my life

When I contacted step change I was embarrassed and broken. Everything initially happened online so I didn't have to speak to anyone. I was depressed and suffering with acute stress and anxiety so conversation was not easy. I didn't need to speak. The online form helped and gave me an understanding of what I needed to do and what my options were. seeing an instant affordable repayment plan gave me hope. When I agreed to the plan a massive weight was lifted. When I did need to speak to a person they were and are so empathic. They are calm and reassuring. They contacted all the banks and took control and agreed on my behalf what was affordable. Step change will never really understand what they have done for me. They have given a reason to continue with life. I still have to pay what I owe (63K) but the interest which was drowning me has stopped. Paying it back is important to me and gives me self worth. I will be debt free in 39 months (initially was 42 but Ive paid 3 instalments. Massive thank you to step change. You are life savers Reviewed on: 9th May 2024

Triumph After Adversity

There are times in life when everything comes crashing down on you. I suspect that the cost of living crisis has made many people feel like that. I asked StepChange for help when I was at my lowest point. They picked me back up, worked out the best options for my circumstances and helped me to agree a plan with my debtors. StepChange is the equivalent of a trade union for people in financial crisis, I felt that they care about the little people, they had my back. Reviewed on: 9th May 2024

From the start been nothing but brilliant

From the start been nothing but brilliant Reviewed on: 9th May 2024

Stepchange have given us our life back.

Stepchange have given us our life back. We were in the circle of debt and not getting anywhere no matter what we did ourselves. Credit companies do not genuinely care and pay lip service when you ask for help and make it so difficult and can be judgemental. Stepchange have made managing our debt simple and without to much stress. It is still up to us to manage our finances and do the work but Stepchange help with that. Reviewed on: 9th May 2024

Excellent company helping me get back on track

Excellent company helping me get back on track Reviewed on: 9th May 2024

Professional empathetic advisors with great knowledge

Professional empathetic advisors with great knowledge I was embarrassed when I called for help there was no need to be the help and advise I was given was very helpful and life changing Reviewed on: 9th May 2024

I am happy since I have joined Step change they prov...

I am happy since I have joined Step change they provided outstanding service peace of mind and sorted all my debt the way I wanted. The customer service is outstanding. Reviewed on: 9th May 2024

Life saver

My company went into liquidation and Stepchange ensured all my creditors were satisfied with the payment schedule of monies owed, which essentially releived a lot of stress from myself which was making e very ill. Reviewed on: 9th May 2024

Step Change has helped me over a difficult period.

Step Change has helped me over a difficult period in my life. It is a very good debt management Company. Very friendly helpful and informative. I am coming to the end of my repayments and can’t thank them enough. Reviewed on: 9th May 2024

I had Over £13k in debt.

I had Over £13k in debt. By freezing the interest with my creditors I was able to slowly pay off my debt at a rate that i could manage. Also I have now learned to live without credit. I found that credit was too easy to obtain, and I didn't have the restraint to stop borrowing. It was damaging to my mental health and financial health. Now I have less than £3k of debt left, I am looking forward to a shiny credit score again. Reviewed on: 9th May 2024

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