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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18661 reviews)

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4.92

Based on 18,661 reviews, last reviewed 10th Jul 2026

126000% 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:

5

StepChange have helped me become debt free, I comple... StepChange have helped me become debt free, I completed the budget form and entered in the amount that I owed and they gave me a plan to pay off my de... Read more Reviewed on: 10th 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 (18661)

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

Thank goodness for Stepchange

Before I went to Stepchange I hardly slept with worry over my debt. They have contacted all my debtors for a payment plan which is now clearing my debts Reviewed on: 3rd May 2024

I was at the worst low of my life

I was in a very bad place until I made contact with StepChange and was dubious in how much they could help me at first. All of my expectations were exceeded, they have been absolutely amazing. They have made contact with all of my creditors on my behalf and took all of the stress away from me. I'm now on a debt management plan in which Stepchange made sure to keep my payments to my creditors affordable whilst ensuring I was comfortable with the whole process. Also everybody i have spoke to on the phone have been lovely and incredibly helpful. I just wish I had contacted them sooner and they would've been able to help me get out of this bad financial position I'm in sooner. Anyone that is in need of help with their financial situation, do not hesitate to contact Stepchange. I can't believe this service is free and so good, they really do deserve medals. Thank you so much Stepchange, words literally can't describe the amount of pressure you've taken off me with your help. Reviewed on: 3rd May 2024

They are so helpful and deal with any queries quickly.

They are so helpful and deal with any queries quickly.They take the stress and worry away from you. Reviewed on: 3rd May 2024

The Best Decision I Ever Made

Contacting Stepchange was the best decision I ever made. They have enabled me to take control of my budget, I now have a constructive way to run my finances, I know exactly what I have coming in and going out. They have also taken the pressure off dealing with my creditors as they do all that for you. If you are thinking of debt management, Stepchange is definitely the best way forward, you will not regret it. Reviewed on: 3rd May 2024

First class service all the way.

First class service all the way through. No judgement, just professional, efficient and effective advice. Changed my negativity into positivity. Thank you Reviewed on: 3rd May 2024

Excellent service

All advisors I have dealt with have been friendly, understanding & supportive of circumstances. So far, I have had an excellent service from stepchange Reviewed on: 3rd May 2024

The staff are un-judgemental and extremely helpful.

The staff are un-judgemental and extremely helpful. Reviewed on: 3rd May 2024

Thank you StepChange. I'm now Debt Free and Stress free

4 years ago I realised that although I had never defaulted on my credit cards and loan payments, always the paying what was asked for on my statements new regulations from the banks put me into what they termed 'persistent debt' increasing my monthly payments. Being self-employed at the beginning of the Covid epidemic and not being able to work I was finding it impossible to make the monthly repayments. This situation caused me incredible stress and sleepless nights. I initially went to Citizens Advice who referred me to StepChange. From my first phone call to them I received positive advice and support of how to proceed to become debt free. StepChange helped me with my monthly budget and cancelling the interest being charged by the banks on my accounts, relieving my stress and anxiety regarding my financial situation. The benefits of dealing with my creditors through this incredible organisation took a great weight of my shoulders. Although I was told it would take me 4 years to complete my Debt Management Plan, I knew with the ongoing support of StepChange I would be able to manage my finances through this period and become Debt Free! During this period I did at times find it difficult but StepChange were at the other end of the phone giving me positive support and advice. Last month, after 4 years I became totally debt free with a positive and stress free future regarding my personal finances. THANK YOU STEPCHANGE !! for all your help and wish your incredible organisation and your debt advisers all the best for the future of your Charity. Reviewed on: 3rd May 2024

Excellent Service

Very sympathetic people with helping hands who provide tailored advice to the clients Reviewed on: 3rd May 2024

Very Helpful

StepChange helped sort out my credit cards. I have now made my first payment and it feels great to see the solution working. Thank you StepChange - Everyone at StepChange was understanding and Very Helpful. Reviewed on: 3rd May 2024

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