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Whatever your circumstances, help is available. Step Change provides free debt support.

  • You are not alone 
    Dealing with debt can be stressful, try not to worry as every debt problem can be solved.
  • Try our debt solution finder
    If you’re worried that you need help with your finances then you should try our 60-second debt test. By answering a few simple questions we’ll be able to tell you which solutions are best for you.
  • Free debt advice
    to help with immediate debt problems such as council tax, bailiff’s, bills and loans to give you breathing space. We’ll help reduce your debt so you can become debt free in the quickest way possible.
  • We’ll help take care of everything
    from speaking with your lenders, paperwork and getting things set up.

Families we have helped


“Our first initial telephone contact was with Olivia who was really professional and informative. Olivia supported us to make the right choice of loan for our financial situation. We were kept well informed about the the loan process through text email and verbal communication. Thanks to all involved.”

Robert W, Holmfirth [03/02/2020]


“The dedication shown by the  team has been simply wonderful. Nothing has been too much trouble. Suzanne has plain and simple been the best she really has been wonderful. Everything was explained to us in the finest detail and we really felt she was caring for us. Not what we were expecting at all. A really lovely surprise. I would recommend Consolidation Direct in a heartbeat.”

Martin H, Taunton [29/01/2020]


“Fantastic and professional service from start to finish. Tessa assessed our requirements and found the best loan to suit our needs. Rachel then continued the process and reassured us when we came across obstacles. Thankyou to a fabulous team for helping with our dreams of a bigger house.”

Cristy S, Tamworth [28/01/2020]

4.9 / 5 Rating


Answer a few questions online and find out which solution is best for you.