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Please be aware that services listed on this tool may be disrupted or experiencing longer wait times due to recent government guidance regarding COVID-19. Face-to-face and local services in particular are likely to be affected. Please see below for more details.

Where to get free debt advice

If you’re struggling with debt, it can be hard to know where to turn. But with lots of free advice services available across the UK, you can find help in a way that’s best for you.

How will a debt adviser help you?

A debt adviser will:

  • never judge you or make you feel bad about your situation
  • always be happy to talk to you, however big or small your problem might be
  • find ways to manage your debts even if you think you have no spare money
  • suggest ways to deal with debts that you might not know about

Did you know?

Most people who have got debt advice tell us they feel less stressed or anxious and more in control of their life again

On this page you can find:

All of the services below are free, confidential and hold a standard or membership code accredited by the Money Advice Service.

Online debt advice services

Online services are secure and you can get immediate, personalised help. Some services are available 24 hours a day.

  • PayPlan

    • www.payplan.com
    • PayPlan's online debt solution tool, PlanFinder, can give you a personalised debt solution in as little as 15 minutes. They also offer free live chat and email support for immediate help.

    National Debtline

  • Debt Advice Foundation

    • www.debtadvicefoundation.org
    • Debt Advice Foundation is a national debt advice and education charity offering free, confidential support and advice to anyone worried about debt.

    Citizens Advice Web Chat

    • www.citizensadvice.org.uk
    • Citizens Advice offers free, independent, confidential and impartial debt advice through their web chat service.

  • StepChange Debt Charity

    • www.stepchange.org
    • Our online advice tool has helped over 1.7m people. Create a budget and get a personal action plan with practical next steps. Get free help from the UK's leading debt charity

Telephone debt advice services

You can speak directly with an expert adviser. Telephone services are usually available weekdays, evenings and Saturdays.

  • PayPlan

    • www.payplan.com
    • 0800 280 2816
    • PayPlan's supportive, non-judgemental team of advisers help thousands of people beat their debts every year, and treat all of their calls with the strictest confidence.

    Debt Advice Foundation

  • Money Adviser Network

    National Debtline

    • www.nationaldebtline.org
    • 0808 808 4000
    • National Debtline has helped millions of people with their debts. They'll talk you through options and give clear advice on how to take back control.

  • StepChange Debt Charity

    • www.stepchange.org.uk
    • 0800 138 1111
    • Call the UK's leading debt charity. We help change the lives of thousands of people every week. Get free, confidential advice and practical solutions to help you deal with your debts.

Face-to-face and local services

Search for a debt advice service near you. You can then set up a face-to-face appointment and speak to an expert adviser in person.

Where shown, some local services can also provide debt advice by phone.

If you are self-employed or run a small business and have personal or business debts, contact the free advice service in your area: Business Debtline (England and Wales) and Business Debtline (Scotland) or Advice NI Business Debt Service (Northern Ireland).

Spotted an error? Let us know.

While we try to ensure this information is accurate and up to date, we cannot be responsible for any inaccuracies in the information. The Money Advice Service takes no responsibility and is not liable for any advice given by third parties.

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  • Saturday, 8am to 3pm
  • Sunday and Bank Holidays, closed

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