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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18657 reviews)

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4.92

Based on 18,657 reviews, last reviewed 4th Jul 2026

188950% 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

New life .. I have been with stepchange from the beginning and I hope next week is the end all the staff help trough this bad time I never made it without them al... Read more Reviewed on: 4th 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 (18657)

Review of the StepChange, Debt advice:

Steps to mindful financial management

Step Change provided informative and easily accessible financial management support, at a time when I felt overwhelmed by debt and without any other alternative repayment options. Reviewed on: 9th June 2025

Stepchange saved me

At the age of 64, I had debts exceeding £50,000, and I didn't think I'd ever get out of debt. I was advised to contact Stepchange. They weren't judgmental. They offered sympathy, and a constructive and practical plan to pay off my debts within a realistic time. I am now approaching my 70th birthday, and I retire tomorrow, debt free, with substantial savings. I cannot praise Stepchange highly enough. Reviewed on: 2nd May 2024

Lifesavers

Stepchange enabled me to turn a mountain of debt into a manageable monthly payment. I’m still paying but there is an end in sight. They were literally a lifesaver as I couldn’t see a way out of my situation. Reviewed on: 2nd May 2024

StepChange are a fantastic organisation.

StepChange are a fantastic organisation. They have really helped me. They are so understanding, they give excellent support and show so much empathy. The staff are brilliant.Thank you so much for all your help. Reviewed on: 2nd May 2024

Debt problems

Got Into financial trouble through no fault of our own I contacted Stepchange and they put me at ease straight away after giving them the relevant information they needed they dealt with my creditors immediately and a plan was put in place any issues I could call them and got sound advice every time we are now in a much better position than before and we would wholly recommend them if anyone is going through the same situation as ourselves. Reviewed on: 2nd May 2024

Excellent and very efficient service

Excellent and very efficient service Reviewed on: 2nd May 2024

Life changing decision

My Husband and I were really struggling financially following the birth of our first child. After years of spending and getting credit from wherever we were in quite a bit of debt. No one ever explained finances or interest to us, so when the bank or other lenders offered us credit we thought it was the best thing ever and we had money to blow on fun stuff. We thought the repayments would be fine and we’d just get on with it. It wasn’t until the interest on everything was making it difficult to keep up, and then one day on maternity leave we found ourselves with not even enough money for food for the month and we both broke down. A friend of ours recommended Step Change, and we were reluctant due to the enormity of admitting we were in such bad debt and making the first step to paying it all off - it seemed like it would never happen. Fast forward 3 years and we are nearly debt free! Step Change made it so easy for us to get where we are today. We paid one monthly payment and they distributed it to our debtors. We are so close to finishing now and being financially secure. We definitely could not have done it without them. Thank you Reviewed on: 2nd May 2024

Sort it yourself, be less stressful

Gave them a list of mental health issues, and then gave me a DMP that aggravated each of them, random payment dates, I mean I was paid, "every two weeks" I told em, dwp, and the amount they suggested left me unable to afford hrt on top of that, so yeah, avoid if you aren't a cishet neurotypical person without a brain injury Reviewed on: 2nd May 2024

Very helpful and friendly people

Very helpful and friendly people Reviewed on: 2nd May 2024

Very helpful in tough times very helpful people to t...

Very helpful in tough times very helpful people to talk things over and put your mind at rest Reviewed on: 2nd May 2024

My experience with step change has been life changin...

My experience with step change has been life changing and has helped reduce my stress and anxiety regarding my debts. Always willing to help and set out the correct plan and structured for the best all round. Reviewed on: 2nd May 2024

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