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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.918161128930581614 (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

All advisors were helpful from start to finish.

All advisors were helpful from start to finish. I dreaded ringing with our dept problems, they made me feel so comfortable. All through the 5 years of paying off our debts, they were helpful, not once did they make me feel guilty for having debts. At the end of the 5 years the feeling of elation was unbelievable. Reviewed on: 1st May 2024

Fantastic customer support, was there when I needed...

Fantastic customer support, was there when I needed them most. Highly recommended . Reviewed on: 1st May 2024

Great service

Really helped us when we needed it most. Now debt free and very grateful. Would recommend to anyone. Reviewed on: 1st May 2024

Gave us hope and reassurance

In our retirement we were facing a dreadful future of debts that had to be repaid and no income, StepChange showed us the way to remain in our own home and pay off our creditors monthly whilst still having money to live on to pay for food and other essential bills. Cannot thank them enough for all the assistance they have been to us. Reviewed on: 1st May 2024

So grateful for Stepchange intervention

I have used Stepchange for the purpose of debt management. I was introduced to them two years ago and they’ve intervened with my creditors on my behalf. Since then, they have helped me so much in managing my debt. I pay an agreed amount every month and on a year basis, I update my current circumstances and so far have reduced my outgoings. Without Stepchange, I believe I would still be in financial difficulties today and I am, and will, ever be grateful for their service. Reviewed on: 1st May 2024

No judgement, just guidance 100%

Honestly, was the best nights sleep the day I spoke to Stepchange and put my plan in place. Every call was met without judgement and always helpful and informative. Have since recommended them to another friend in need. Please, if you are struggling with debts it’s well worth a call. It was the best feeling seeing the message of “congratulations, you are debt free”. First time ever!! Realistic payments and I was on the plan for over six years with guidance every step of the way. Reviewed on: 1st May 2024

STEPCHANGE IS A WISE MOTHER TO DEBTOR AS A CHILD

Step change provides wide range of debt management plans/solutions and also professional advisory for client to undrestand which plan is the best based on the information provided by client. But the most important feature of step change support for me, based on my belief and dream that how would I challenge and stand up for whole my debt, was giving me this confident that as long as I am determinded to stand up for it, I have complete support to continue my challenge against my debts with DMP. So if you feel your webeing is based on debt relief as soon as possible, Step Change provide you with the best plans such IVA/Insolvency or bankruptcy. BUT if you are a person like me who has just one dream in whole life which is paying to the last penny of my debts to creditors, Stepchange will also support you with Debt Management Plan (DMP) to stand up and continue your challenge AS LONG AS YOU ARE IN BELIEVING YOURSELF YOU CAN DO THIS. I can't find a word to appreciate all Stepchange dedicated professional team and managers have done in support of me during last almost 10 years. STEPCHANE HAVE MADE ME BELIEVE, DEBTS ARE NOT IMPOSSIBLE CHALLENGE TO BE PAID BACK IN FULL, EVEN IF IT TAKE UNKNOWN TIME BECOMES TRUE, AS LONG AS I TRUELY FEEL BY CONTINUING MY CHALLENGES, ONE DAY I WILL PAY IT BACK TO CREDITORS IN FULL. That's why after 10 years still I am confidently and with peace of mind standing up to make this dream true and I have never felt debts are a threat to my welbeing that must be cleared as soon as possible but I have been given enough support to find a way pay it back in full. Love you all in Stepchange. Mother of nature bless all of you❤️ Reviewed on: 1st May 2024

Never had any trouble with the company.

Never had any trouble with the company... very friendly staff Reviewed on: 1st May 2024

Stepchange saved my life

I had a mental breakdown and was subsequently made redundant. I live alone so this meant I was in financial hardship and I was too ill to work. I don't know if I would have survived if Stepchange had not assisted me in managing my debt. I think my overwhelming feeling from talking to their staff was that there was no judgement and I was treated with the utmost respect. I had a thorough walk through all my options and my payment plan was agreed. I could never have imagined that such help was available until I was in such a dark place. I will be forever grateful for this support Reviewed on: 1st May 2024

Can’t thank StepChange enough

Step Change were always on the end of the phone willing to help. All very patient and talked me through best suggestions moving forward each step Reviewed on: 1st May 2024

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