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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18640 reviews)

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4.92

Based on 18,640 reviews, last reviewed 21st Jun 2026

376800% 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

I don't know what I would do without step change. I don't know what I would do without step change. They have been very supportive over difficult times. Reviewed on: 21st 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 (18640)

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

The advisors are very knowledgeable and non judgemen...

The advisors are very knowledgeable and non judgemental, they answered all my queries without hesitation. I felt so much better after my initial contact, I felt I had more control over the situation. Reviewed on: 2nd May 2024

Stepchange gave me peace of mind with managing my de...

Stepchange gave me peace of mind with managing my debts which otherwise was causing me sleepless nights and anxiety. Reviewed on: 2nd May 2024

Highly, highly recommend!!

Every.single.member.of.staff I’ve ever encountered have been warm, friendly, understanding, nonjudgmental and efficient! I’ve cried at them, shared my worries with them and they’ve listened, understood and helped me to take the next steps in my journey of getting debt free. They’ve taken the nerve wracking bit out of.my hands and ensured the whole process was/is as painless as possible!! Reviewed on: 2nd May 2024

A great help when it's needed

They are wonderful people. They put you at ease and are so helpful. Very knowledgeable about all their schemes. Keep you updated. Reviewed on: 2nd May 2024

Have a debt management plan with Step change .

Have a debt management plan with Step change .Received excellent advice and help when going through a difficult time .The result gave me peace of mind and confidence for the future .Step change have done a perfect job in assisting me with my financial crisis Reviewed on: 2nd May 2024

From the first time when I reached out I was ill fro...

From the first time when I reached out I was ill from worry trying to get on top of debts, stepchange supported me in a nonjudgmental way and helped me find a way forward where I no longer felt under threat. Reviewed on: 2nd May 2024

I was in a financially critical position and being h...

I was in a financially critical position and being hassled by companies and my bank, plus rent arrears. It was becoming extremely detrimental to my mental health, exacerbating my PTSD and inducing suicidal thoughts. Contacting Step Change was a godsend, I felt the pressure lift off my shoulders almost immediatly. Reviewed on: 2nd May 2024

My lifeline

StepChange were non judgemental when I made contact and I felt I could discuss my debt in confidence.. StepChangee were my advocate and negotiated with my creditors a regular monthly payments that I could maintain.. Yearly reviews of my finances and an end date to be debt free helped motivate me to keep my payments up. Every time a payment was taken I felt relief. I knew there was also emotional and practical support if I needed it by just calling the advisor.. Reviewed on: 2nd May 2024

I was in a difficult situation Financially because o...

I was in a difficult situation Financially because of the pandemic and Step Change have helped me without them I don’t know where I’d be today So I can’t thank them enough, and I highly recommend them to anyone in financial difficulties Reviewed on: 2nd May 2024

Overwhelmed with debt.

I was overwhelmed with debt and the interest being added to it every month meant it was going to take forever to pay it all off. Enter Stepchange, who took the weight off my shoulders, organised a repayment schedule with all my creditors and, most importantly, stopped the interest being added to my debt. I was debt free after 2-3 years of repayments and again able to rebuild my credit rating. Don't even think about using Stepchange, just DO IT!. Reviewed on: 2nd May 2024

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