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StepChange: Debt advice reviews

Name: Debt advice
Rating: 4.92 (18650 reviews)

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4.92

Based on 18,650 reviews, last reviewed 28th Jun 2026

188650% increase in 5 star reviews

in the past 90 days

1600% increase in 1 star reviews

in the past 90 days

97%

Latest highest rating:

5

Non judgemental and really support you what ever you... Non judgemental and really support you what ever your situation. Very easy to talk to and so much support on your journey to being debt free Reviewed on: 28th June 2026

Latest lowest rating:

1

You can not get in touch over the phone unless it’s... You can not get in touch over the phone unless it’s early morning or you are in luck, meaning it would be time off work to call. When I have got throu... Read more Reviewed on: 22nd 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 (18650)

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

Step change has been invaluable in our debt management

Step change helped evaluate all our debts and what action was best suited for us. The biggest step is making that phone call and admitting you’re in need of help. They guided us through our debt management plan and organised affordable payment plans. They keep in touch and can amend our plan if circumstances change which we have done. The relief of finally being in control of our debt as opposed to it controlling us is why I would highly recommend them. There is no shame in reaching out for help. Reviewed on: 1st May 2024

Stepchange take the stress out of managing your debts!

Great advice on how best to manage your debts. Quick, easy process., great communication, huge relief they negotiate affordable repayments for you. I can’t praise them highly enough. Reviewed on: 1st May 2024

Their help has been invaluable and has helped me so...

Their help has been invaluable and has helped me so much. I was so stressed until I bit the bullet and asked for help. I am looking forward to be debt free in 2 more years. Reviewed on: 1st May 2024

Wonderful support.

My husband and I are at retirement age and prior to this, serious illness meant that our debts got out of control. Through Citizens Advice we made contact with Stepchange and they helped us put a debt management plan together. That was a few years ago and although we still have issues to deal with moving forward, our creditors now leave us alone and Stepchange manage our DMP and deal with any issues. They are a godsend and without them I don’t think I could have carried on. I can now sleep at night and I know that they will help us deal with things in the future and be at our side. As a charity they do not charge any fees like some other companies that hard sell. All they need is honesty from you nothing else. All of our monthly payments go to the creditors. We couldn’t recommend them strongly enough. Reviewed on: 1st May 2024

Struggling to survive after leaving husband

After leaving my husband and having to start again from nothing with 2 children Step Change was a big help. Private rent was 5 times more than my mortgage was. I only had my wage to live on to support 2 children, and I didn't have enough to pay my loans, catalogue and credit cards that's I'd got to refurbish and convert the mortgaged house id left behind. Reviewed on: 1st May 2024

At a time of feeling like I wanted to bury my head,...

At a time of feeling like I wanted to bury my head, stepchange helped me take back control Reviewed on: 1st May 2024

A company you can rely on.

I've been with this company for years and they've really helped me with my huge debt big time. It helped me with all the dealings and financing my monthly payment affordable. Reviewed on: 1st May 2024

Friendly staff non judgmental and reassuring.

Friendly staff non judgmental and reassuring. Web site is easy to use and when my circumstances changed it was straight forward to redo my budget. Reviewed on: 1st May 2024

Excellent service they will help u with anything as...

Excellent service they will help u with anything as long as you are up front with them Reviewed on: 1st May 2024

Step Change changed my life

I was at crisis point facing a very dark tunnel, not knowing what to do, who to turn to or where to go. I was recommended to seek financial help but was only faced with options I felt would worsen my situation...until I found Step Change. They not only helped me work through my budget, they offered advise on how I was to deal with the debt collectors and took the burden away which a huge help as I was not in a position to do it myself. Throughout my plan Step Change have helped me with every step, all the price increases and difficulties with managing my finances. I can see the light at the end of the tunnel now and feel able to manage my finances for when my plan comes to an end. Please, if you're struggling reach out, they will change your life! Reviewed on: 1st May 2024

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