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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.95 (16798 reviews)

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4.95

Based on 16,798 reviews, last reviewed 18th May 2026

100150% increase in 5 star reviews

in the past 90 days

900% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Non judgemental, easy to talk to Non judgemental, easy to talk to, I didnt have to feel ashamed anymore, just the facts and the solutions. Emails take a while to be replied to but the... Read more Reviewed on: 18th May 2026

Latest lowest rating:

2

Wouldn't recommend The customer service team I find to be very slow in responding, and I have sometimes had to send the same information a few times as they have clearly... Read more Reviewed on: 9th 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 (16798)

Review of the StepChange, Debt advice:

It was absolutely fantastic help from start to finish.

It was absolutely fantastic help from start to finish. It took 8 days in total. I'm sitting here now a lot happier than I was 3 weeks ago. They put me forward (against their recommendation) for a DRO, which was passed 2 weeks ago, and because I have their backing, I have been able to liaise with my creditors a lot easier, and they have actually helped me due to my underlying health issues. Thank you to them all from Stepchange and also Money Wellness (the people who organised my finances and submitted my DRO application) From the bottom of my heart, THANK YOU. They all deserve credit and praise for their hard work. Reviewed on: 24th August 2024

Help when you are struggling with debt

I got in touch when I found I could no longer pay my credit card debts and loan, interest charges rising quickly made it impossible to meet minimum payments. Step Change asked me to list all my expenditure and debts to work out a debt management plan for me. I feel relieved that some pressure is off and it gives me chance to pay off my creditors leaving me able to see light at the end of the tunnel. Give them a try, it’s easy and they contact your creditors with the plan proposal and you just pay the amount monthly by direct debit, the amount depends on your circumstances/disposable income but will be affordable compared to previous payment amounts. Reviewed on: 7th July 2023

Debts

I am getting back on track about my finances when I started to seek advice from StepChange. Reviewed on: 7th July 2023

Excellent advise and help

Step Change is helping me manage my debt and deal with the people I owe money to, they have taken that burden and fear from me because I was so scared of ringing them. All advisers at Step Change treat and talk to people respectfully without judging. Reviewed on: 7th July 2023

Saved my life

Step Change has truly been a lifesaver for me in managing my debts. From the moment I reached out to them, I experienced nothing but excellent, friendly, and reassuring customer service. I cannot express enough gratitude for the transformative impact they've had on my financial well-being. From the initial consultation, Step Change demonstrated their expertise and compassion. Their debt management advisors took the time to understand my specific situation, patiently listening to my concerns and fears. They provided a comprehensive assessment of my debts, offering tailored solutions that took into account my income, expenses, and financial goals. What impressed me most about Step Change was their commitment to empowering me throughout the process. They not only devised a realistic and manageable debt repayment plan but also provided invaluable guidance on budgeting, saving, and improving my financial literacy. Their continuous support and encouragement helped me regain my confidence, knowing that I had a partner in my journey to financial freedom. The level of professionalism and attention to detail exhibited by Step Change is commendable. Their communication was prompt, and they were always available to address any queries or concerns I had. I never felt rushed or dismissed during our interactions; instead, I felt heard and understood. This personal touch made a significant difference in my experience, fostering a strong sense of trust and reliability. Furthermore, Step Change's commitment to transparency and fairness was evident throughout the debt management process. They worked tirelessly on my behalf, negotiating with creditors to freeze interest rates and reduce monthly payments. Their expertise and strong relationships with financial institutions ensured that I received the best possible terms, relieving the burden of high-interest debts and allowing me to focus on rebuilding my financial stability. In conclusion, Step Change has not only helped me manage my debts but has become a trusted partner on my journey to financial recovery. Their exceptional customer service, characterized by friendliness, reassurance, and expertise, has given me hope and a renewed sense of control over my finances. I wholeheartedly recommend Step Change to anyone seeking guidance and support in navigating the challenges of debt management. Reviewed on: 7th July 2023

A company that genuinely cares.

Step change made the process so accessible and they were so helpful without me feeling judged. Professional and caring advice. Easy to follow set up. Made such a positive difference to me. Reviewed on: 7th July 2023

Amazingly helpfull

Step change have been amazing helping me with the advice and guidance I needed to get my debts under control. Reviewed on: 7th July 2023

Excellent help

Very good, helpful, inciteful, excellent service Reviewed on: 7th July 2023

Stress free and reassuring

I was in the worse financial position of my life. I was able to provide all of my details online, sometimes talking about these things is so difficult! They took over contacting my creditors, kept me fully informed and sorted out payment plans with all of them. Such a weight of my mind and I can actually start to breathe. An excellent service at a very stressful time Reviewed on: 7th July 2023

Debt management

I rang stepchange to chat about my circumstances. The man I spoke to was extremely helpful and made me feel less ashamed and embarrassed about my circumstances. Reviewed on: 7th July 2023

No more sleepless nights

I needed help, and with stepchange that's what I got. Debts out of control and tried to commit suicide and nearly succeeded. So I made the choice to get help in everyway, and stepchange helped me with my recovery. Reviewed on: 7th July 2023

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