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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18623 reviews)

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4.92

Based on 18,623 reviews, last reviewed 12th Jun 2026

187500% increase in 5 star reviews

in the past 90 days

1500% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Professional and transformative advice. Patient, brilliantly explanatory advice, which was able to change a seemingly hopeless situation into reasons to be optimistic for the future. Reviewed on: 12th June 2026

Latest lowest rating:

1

WOULD NOT RECOMMEND Very poor level of service. I haven't had a reply to an email or chase ups for almost 2 months. They have said they haven't received payments when the... Read more Reviewed on: 10th 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 (18623)

Review of the StepChange, Debt advice:

Dare to hope,!

I have been very ill with cancer. During my treatments I took my eye off the ball as the saying goes. Was too ill to deal with post and many many calls from people demanding money. I was becoming paranoid about the phone,the postman. Well debts don’t go away I didn’t know where or who to turn to, my life was such a mess, I was even contemplating ending it all. A friend came here and said why don’t we ring Stepchange the debt charity. I had nothing to lose but from that very first call, they made me feel like we can sort this out together and took me through every single step. Every person I spoke with was efficient,nothing was too much trouble, kind and compassionate. Made me feel like perhaps I could live a life. Am not the only person this happens to. Quite a bit of paperwork which I found daunting but even if I was stuck on silly questions I always got a real person to speak with. I can’t praise them high enough Reviewed on: 27th August 2024

Excellent service from Stepchange....

Stepchange have completely turned my life around for the better. Due to unforeseen circumstances my finances were effected and this had a negative impact. I contacted Stepchange who went through my options and not once did I feel I was judged or being patronised. Although I speak to different advisors when I have to make contact with them every one have been so helpful and supportive. I have one more year to go before I am debt free but I couldn't have done any of this without their help. I would highly recommend this service to anyone who is struggling financially - you won't regret it. Reviewed on: 7th May 2024

In November 2019, I was forced to face my financial...

In November 2019, I was forced to face my financial situation. It wasn’t pleasant, I couldn’t pay my debts, I didn’t have enough money to live on and I felt powerless and had a lot of shame. Calling Stepchange was one of the most difficult calls I’ve ever had to make but from the moment I spoke to someone there, things started to change. I felt first and foremost that someone was on my side and they helped me to believe I could move forward and be debt free one day. Now I won’t be debt free for a couple of years yet but I do know I will be. Working with Stepchange has changed me and my attitude towards money and having ‘things’. I am now in control of my financial situation, I live within my means and appreciate the things I have got. This approach of a step at a time, reviewing things regularly and the pastoral care provide is empowering in a way I can’t explain, and all this knowledge, support and care is provided by people I will never meet… I am grateful for all the support I have received so far and once I hit the zero balance, will be forever grateful as I will have complete control of my financial situation and therefore my life. Reviewed on: 7th May 2024

My terrible period your (Stepchange) help is gratefu...

My terrible period your (Stepchange) help is grateful me. Definitely I didn’t get your help I talked wrong decision. Reviewed on: 7th May 2024

I no longer have to worry about phone calls or lette...

I no longer have to worry about phone calls or letters demanding payments. My monthly outgoings were 5 times higher than I am paying now. I no longer need to speak to any of my creditors, they are dealt with directly by step change. Reviewed on: 7th May 2024

Thanks You!

I am writing to express my heartfelt gratitude to StepChange Debt Charity for the exceptional support they have provided me in managing my debts. From the very first interaction, it was evident that StepChange operates with a genuine commitment to assisting individuals facing financial challenges. The professionalism and empathy demonstrated by their team have been truly commendable throughout my journey. Furthermore, the accessibility of their services, whether through phone consultations or online resources, ensured that I always had the assistance I needed whenever questions arose. Thanks to StepChange, I now feel more in control of my finances and equipped with the tools to work towards a debt-free future. Their invaluable support has made a significant difference in my life, and I cannot recommend their services highly enough. In conclusion, I extend my sincerest thanks to StepChange Debt Charity for their unwavering commitment to helping individuals like myself achieve financial stability and peace of mind. Reviewed on: 6th May 2024

Amazing at taking the stress out of debt management

Just amazing at taking the stress out of managing your debts. They will do anything they can and are nin judgemental Reviewed on: 6th May 2024

Never let me down

very helpful and hard working people at Step change.They gave me peace of mind.. So l do not worry about the debt. that the HMRC bought on me. They had me on the wrong Tax Code. Reviewed on: 6th May 2024

StepChange helped me agree a debt payment plan with...

StepChange helped me agree a debt payment plan with two banks. They have been helpful and supportive. Their staff are lovely and make you feel at ease when you call. I receive regular comms from them. They are a superb charity. Reviewed on: 6th May 2024

Very helpful, understanding and professional.

Very helpful, understanding and professional. If you need help give them a call. Reviewed on: 6th May 2024

I had to give up work suddenly through ill health an...

I had to give up work suddenly through ill health and found myself unable to pay off my credit cards any more. My bank, Nationwide, recommended Stepchange and they have sorted my finances for me and taken a huge weight off my shoulders, allowing me to pay off amounts I could afford to each of my creditors Reviewed on: 6th May 2024

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