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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (17666 reviews)

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4.92

Based on 17,666 reviews, last reviewed 27th May 2026

141700% increase in 5 star reviews

in the past 90 days

1300% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

A sigh of relief From the minute I contacted, I felt at ease and that a weight had been lifted.each member of the team has always given helpful advice Reviewed on: 27th May 2026

Latest lowest rating:

1

Extremely difficult to get to speak to someone at le... Extremely difficult to get to speak to someone at least 90 minutes on hold asked now on four occasion for a debt to be added to my plan but still hasn... Read more Reviewed on: 27th May 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 (17666)

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

Fantastic service help me when I was in a bad place...

Fantastic service help me when I was in a bad place took control of everything for me with one affordable payment Reviewed on: 27th May 2026

Not disability friendly

Am very disabled and live alone with no help. Stepchange can’t ring me to discuss my review and will not take into account that I can’t go online due to disabilities. Have to get help from voice assistance but this is no good for form filling. They said they were too busy to ring me to do my review over ohone Reviewed on: 27th May 2026

Stepchange are friendly and professional and always...

Stepchange are friendly and professional and always keen to help. They are a human face in the austere world of debt. Reviewed on: 27th May 2026

StepChange Saved My Life !

I suffered an accident at work. After my employer terminated my employment on grounds of disability my credit card which I managed previously began to gather interest rapidly as I had no income other than disability benefits. I had completely cut all my Sky TV and other expenses. I transferred my card debts to balance transfer cards which soon started charging interest. I got 2 months into arrears with my house mortgage payments. I was only eating beans as I could not afford food. I was using what little money I had to pay the minimum monthly card fees but due to cumulative high interest my debts quickly spiralled to £20,000. I had withdrawn my private pensions to keep a float which became exhausted. At this point I was in a dire situation and extremely distressed. I had no money to buy food or pay my mortgage. I had followed the great Martin Lewis Money Saving Expert advice previously on balance transfer cards which did help but only prolonged the inevitable. My daughter told me about StepChange on how they might be able to help me. I contacted StepChange and the staff listened to my situation. They were so kind and supportive and gave me some options. They advised me that they were a debt management charity and did not charge a single penny for their help and support. I was literally fading away with the stress of sinking deeper and deeper into debt with no way out. They literally threw me a life line by offering to provide me with a debt management plan. DMP. This is a voluntary plan that creditors do not have to by law participate in but in my experience they all usually participate if they can be provided evidence that you had fallen on hard times. StepChange looked at my benefit income and formed a plan to repay my card companies back at £5 per month each with a £46 monthly payment to my mortgage provider. The interest on the cards was set to zero so that I could begin to slowly pay down my debts. That was three years ago. My mortgage arrears are repaid and I’m paying £86 per month to StepChange who distribute this to each of my credit card companies. If you can imagine praying for a nightmare to stop StepChange made that happen. They do not give you money but they do liasuse with all your creditors to implement in my case a DMP at 0% interest. I have so far reduced my debt from £20,000 to £15,000. I wish I had contacted StepChange earlier as I would not of incurred all the extra cumulative high interest and deep debt stress. The DMP has to be honoured or there is presumably an option for the creditors and StepChange to cancel the DMP. You can manage your DMP by logging into it to see your debts and manage living expenses. You are expected to carry out an audit every year to adjust living expenses. The way I see StepChange is that they literally saved my life ! If you are going through any kind of financial hardship phone StepChange as they may be able to help and all their advice is totally free ! I cannot praise StepChange enough and vowed that if I ever win a lottery I will donate a large portion to them for saving my life. Give them a call they could sort your life out ! Reviewed on: 27th May 2026

StepChange helped me at one of the lowest and most s...

StepChange helped me at one of the lowest and most stressful points in my life, when I genuinely did not know what to do or where to turn. They treated me with kindness, respect, and without judgement. Their support gave me the breathing space I desperately needed to regain some control and start moving forward again. My situation is not a quick fix and will take a few years to fully clear my debts, but thanks to StepChange I finally feel like I have a realistic path forward instead of just panic and uncertainty. I honestly cannot thank them enough for the help, support, and reassurance they gave me during such a difficult time. Reviewed on: 27th May 2026

Was very stressed and worried when I phoned the help...

Was very stressed and worried when I phoned the helpline but they put me at ease straight away was very understanding and helpful and guided me through everything and explained about breathing space which was a god send while I sorted everything out Reviewed on: 27th May 2026

Very nice people non judgemental and helped me sort...

Very nice people non judgemental and helped me sort things out Reviewed on: 27th May 2026

THANK YOU STEPCHANGE

Step change have been there when I needed help. Have been paying off a debt for the past 14 years and can now say i'm debt free. Kind, friendly and very helpful support personnel, I can't thank them eneough. Reviewed on: 27th May 2026

Helpful advice & good service sorting budget over th...

Helpful advice & good service sorting budget over the phone was made less stressful Reviewed on: 27th May 2026

A very valuable service who has helped me so much ..

I don’t know where I would be without your help , support and advice .. you provide an amazing service and help so many people who would really struggle without your advice and help . Reviewed on: 27th May 2026

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