Struggling to raise a property deposit, reduce your debt, or improve your credit score?
There are no StepLadder Circles available to join right now. If you would like to start your own Circle, please contact us or visit our business site for more details about Circles360.
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Circles for Businesses
Testimonials
Testimonials from StepLadder Members
If you don’t believe us then why not take a look at our Member reviews. We have over 100+ reviews on trust pilot for you to enjoy.
“If you are looking to buy a home and need to raise funds for a deposit then StepLadder is the most unique concept. It is a great way to get on the property ladder and will definitely use again in the future!“
- Amish 29, Home owner
Member offers
We partner with leading brands to bring our members exclusive offers.
We are able to help throughout your journey with exclusive offers and discounts from our partners. The money you save on your utility bills, furniture purchases, insurance and many other services will help towards your money goals.
Access investment accounts that will help you to make more from your money
Buy a gift card and get a free bonus on top to boost your spending with IKEA
Become a member and get access to special discounts
View your UK credit history and see what lenders can see about you.
Try it FREE for 30 days, then £14.99 a month, you can cancel online anytime.
We’ll support you to reach your financial goals.
However big or small your financial goal, as a StepLadder Member, you’ll get access to 1:1 support, specialist knowledge, and discounts for service providers.
SUPPORT
Direct access to the StepLadder team of property experts, wellness coaches, and financial cheerleaders.
KNOWLEDGE
Our home buying and financial wellbeing partners provide Members with discounts worth up to £1,500.
CREDIT SCORE*
Joining StepLadder could help increase your credit score.
SPEED
90% of StepLadder Members reach their financial goals faster than raising money alone.
Discover how you can achieve your goals
Irene now owns her own home and with the help of StepLadder this could be you.
“Buying a property can feel so unachievable, especially in London but knowing I had StepLadder to keep me on track made it much easier”
Dr Irene Asamoah, 29,
NHS Doctor and proud homeowner in London
Helping 1,000s to raise money for their new home
How much do you want to raise?
Did you know you can have more than one spot in a Circle, if affordability allows? Choose a monthly plan to suit your budget and money goals.
Please note: Circles are subject to change based on availability. You will be able to see what’s available for you when you apply using the links below. If you can’t see the Circle you want, contact us.
Here are some examples of the Circles you might be offered:
£100
per month (£5 fee p/m)
Use funds for any financial goal
Increase your credit score*
Exclusive Member discounts
Reach your goal up to 90% faster
Contract length: 10 months
Total raised: £1,000
£250
per month (£10 fee p/m)
Raise your property deposit
Get support on your home buying journey
Increase your credit score*
Exclusive Member discounts
Reach your goal up to 90% faster
Contract length: 12 months
Total raised: £3,000
£500
per month (£18 fee p/m)
Raise your property deposit
Get support on your home buying journey
Increase your credit score*
Exclusive Member discounts
Reach your goal up to 90% faster
Contract length: 12 months
Total raised: £6,000
FAQs
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We bring people together to reach their financial goals faster. 90% of our Members get their money faster compared to saving alone, and research shows that people who save in groups are 300% more likely to hit their goal than those who save alone.
You tell us your goal, and how much you can afford each month and we’ll match you to a group of people (a Circle) with the same financial goal. Everyone pays in the same amount each month. Every month one person in the Circle is awarded the total. This repeats every month until everyone has received their total.
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We get it, it all sounds too good to be true, doesn't it?! That’s exactly what our first members thought before they experienced the StepLadder service, the excitement of Draw Day and received their funds. Now we have over 2,000 Members who have trusted us to help them achieve their financial goals. But don’t just take our word for it, check out their independent reviews on Trustpilot.
Remember there’s is nothing better than experiencing it for yourself - why not start small and get to know us.
You can start from just £25 a month. Apply Now
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StepLadder is an appointed representative of More Lending Solutions Limited which is authorised and regulated by the Financial Conduct Authority (reference number: 702503).
You can find us on the FCA register here - FCA Register Our firm reference number is 783003.
Important Information
*Missed or late payments may have an adverse effect on your credit score. Using StepLadder’s P2P product you will lend to and borrow from other Members in your Circle. Capital at Risk, Not FSCS Eligible. Some of our trusted partners pay us a commission should you choose to use them.