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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.95 (16823 reviews)

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4.95

Based on 16,823 reviews, last reviewed 19th May 2026

101350% 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

Stepchange was a life saver & are very very helpful,... Stepchange was a life saver & are very very helpful,professional & friendly I would definitely recommend them Reviewed on: 19th 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 (16823)

Review of the StepChange, Debt advice:

Caring understanding helpful

They helpt me when I was at the end of my tether.They listened,reassured me.Made me feel confident, in dealing with my problem.So I would say simple the best and thank you. Reviewed on: 22nd July 2021

Saviour

I was severe depression due lots of debts during Covid because I was made redundant. A friend recommended step change and I got my life again. Thank you so much step change Reviewed on: 7th July 2023

A New Beginning!

After years of difficulty with both physical and mental health, l accrued debt. As l moved home several times without realising it l was hoping...wishing the debt would somehow magically dissolve. Burying my head in the sand..... However at each new address l never settled, the worry and anxiety of these debts wouldn't leave me. My mental health remained poor, l felt guilty? ashamed and scared ALL the time. Finally l realised the discomfort of hiding was worse than the discomfort of facing these problems head on. Step Change were recommended by a Neighbour and it took me months to find the courage to make contact. From the moment l did the man l initially spoke to was totally amazing!!! He dealt with my tears and anxiety with sensitivity and reassurance. I went on to speak to numerous case workers having been alloted a personal reference code. My health diagnoses was taken into account, l was treated with dignity and respect. Once my debts were put together l agreed an affordable payment plan which means in over 2 years my credit will be clear! I walk a couple of inches taller now....my shame has gone and l feel the terrible burden l was carrying has been lifted. The staff at Step Change literally enabled me to start afresh....they made me feel safe and not fear opening letters anymore. The dark days of messages from collection agencies are over. A new beginning!!! Thankyou Step Change....my experience with you has been life changing. Reviewed on: 7th July 2023

Amazing & professional

Step Change team are still supporting & go beyond expectations to support. I was in a bad place & did not know where to turn, with help of Step Change I managed to keep my debts under control Reviewed on: 7th July 2023

Reassuring and Compasionate

Step Change has saved me such anxiety and allowed me to turn my life around. They were reassuring, compassionate and are always on hand whoever required. For anyone that is thinking there is no hope, no support or no one to speak to, you're quite wrong. There is StepChange - that are there every Step of the way to enable you to Change your circumstances Reviewed on: 7th July 2023

I no longer have to lie awake worrying

Step change has helped me see a future where I will be debt free . I no longer have to worry about my debts . I felt ashamed that I had got into debt and I was worried that I would be judged. I had no need step change helped me set up a budget and debt management plan they don’t judge you they help you to take control of your finances so your able to pay what you can afford and have enough money to live . I am so glad I contacted them . Reviewed on: 7th July 2023

Super easy

Very easy to set up on line and staff on call lines very helpful and friendly, not judged at all, would highly recommend Reviewed on: 7th July 2023

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

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