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What is the best debt charity?

Compare UK debt charities and free advice routes, including MoneyHelper, Citizens Advice, National Debtline, StepChange and PayPlan.

Written by Alex Carter - IVA.tv editorial writerReviewed by IVA.tv Editorial Review Team - UK debt guidance reviewLast reviewed 28 April 2026

There are several debt charities in the UK that can provide advice and assistance to individuals who are struggling with debt. It can be difficult to determine which one is the “best,” as the needs of each individual will be different and what may be the best fit for one person may not be the best for another. Some well-known debt charities in the UK include:

  • Citizens Advice: This charity provides free, independent, and confidential advice to help people resolve their legal, money, and other problems.
  • National Debtline: This charity offers free and confidential advice to people in England, Wales, and Scotland on how to deal with debt problems.
  • StepChange Debt Charity: This charity provides free and confidential debt advice and assistance to people in the UK.
  • PayPlan: This charity offers free and confidential debt advice and assistance to people in the UK.

It’s important to note that these charities do not lend money, but rather provide advice and assistance to help individuals manage their debts and improve their financial situation. It may be helpful to do some research and consider what type of support and assistance you are looking for before deciding which charity to contact.

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