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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18630 reviews)

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4.92

Based on 18,630 reviews, last reviewed 16th Jun 2026

187850% 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

Wonderful Customer Support When talking to staff at Step Change I have ALWAYS found them all to be extremely helpful, compassionate, & very understanding. Reviewed on: 16th 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 (18630)

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

I have been with StepChange for over ten years and h...

I have been with StepChange for over ten years and hey have been managing my debt well with my Creditors on my behalf. Sometimes they do my review on my behalf. They have been doing great job. Reviewed on: 3rd May 2024

I didn't know where to turn and stepchange helped me...

I didn't know where to turn and stepchange helped me find the tool to write my debt off. Reviewed on: 3rd May 2024

customer service were so very supportive

Every customer service I talked to were so very supportive and helpful I can’t thank Stepchange enough they have absolutely changed my life at the time, I had a devastating neurological condition that impacted my life greatly as I could no longer work and had signed up for a big financial commitment of £7890 personal loan and put the rest on my credit card and overdraft and was living in dire poverty to pay back creditors. I finally accepted a Debt management plan for the last bit of personal loan as suddenly I received rent arrears notice and Step Change were brilliant taking over both debts and contacting both creditors arranging everything with my creditors and consolidating both debts into one manageable payment each month until both debts were cleared. I have recommended Stepchange to so many people they are an absolutely life saving Debt Charity that have such wonderful dedicated and supportive staff I will always highly recommend to anyone in need of debt advice. Reviewed on: 3rd May 2024

A simple easy process.

A simple easy process to get me the debt management help that I needed. I no longer have creditor's harassing me for payment. Reviewed on: 3rd May 2024

Thank you for my DMP

Absolutely! Your team has been incredibly helpful in guiding me through the process of managing my debt. From feeling overwhelmed, depressed, feeling suicidal and uncertain about my financial situation, you've empowered me to take control and feel confident in my ability to handle it. I am gladly leaving a review on Smart Money People to share my positive experience and help others discover the valuable support you provide. Thank you for your dedication to offering free and impartial debt advice—it truly makes a difference in people's lives. Reviewed on: 3rd May 2024

Don’t be afraid to get help

Support is super, non judgemental advice and explored all options with myself. Reviewed on: 3rd May 2024

From the first phone call things were now in order.

From the first phone call things were now in order. 1 of the key things was knowing how long it would take me to pay off my debts and from this i could put things into perspective Reviewed on: 3rd May 2024

I was drowning Step Change gave me a boat

I was drowning and buried my head in the sand about it all as it all heaped on top of me. Contacting step change was the best thing that could ever happen for me financially. Reviewed on: 3rd May 2024

manage my debt my debt issues

Step management, help me to manage my debt issues and give me some guidance on how to repay with what I can offer each month without affecting my other commitments. Reviewed on: 2nd May 2024

StepChange - my life saver for over 14 years...

StepChange has been my life saver for over 14 years now. I am grateful. Reviewed on: 2nd May 2024

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