I joined stepladder to save and build credit. In my current circle 2 members have 3 hands and 1 of these people has drawn consecutively over 3 months which is really disappointing and not random in my... See more
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I Joined stepladder to get enough funds for a deposit to purchase my first home. I wasn’t sure if it was going to help me in any way. I went ahead anyway as I believe in doing things that are outside... See more
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3rd year with SL. I too had the experience of receiving savings on the last day, however I recently joined a new circle and I was selected for a draw. Step ladder is great for various reasons, sa... See more
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I joined StepLadder last year in December, got drawn 2 months after, what can I say, best concept ever! I am pleased to see that many people already bought their house using Stepladder and I look forw... See more
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We don’t need another finance app - we need each other... Circles 360 is the simplest way to organise group saving without chasing, creating spreadsheets, or awkward messages. Instead of relying on credit or saving in isolation, Circles 360 gives friends, families and communities a simple digital tool to organise structured savings groups. Participants agree on an amount and schedule, track progress transparently, and pay each other directly using their own bank accounts. The platform provides the structure, visibility and accountability that make saving together easier. Saving in groups has existed globally for generations. Circles 360 simply brings this trusted behaviour online.
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I joined stepladder to save and build…
I joined stepladder to save and build credit. In my current circle 2 members have 3 hands and 1 of these people has drawn consecutively over 3 months which is really disappointing and not random in my opinion. Stepladder also does not improve credit ratings at all and does not show on any credit report what so ever. The charges are not competitive with other saving schemes. Unfortunately I will no longer use stepladder as it has no benefits, better off just opening a savings account and paying 100 in each month with no charges in my opinion. Never again !!!!!!!!!!!!!
September 7, 2023
Unprompted review
Reply from Circles 360 - Powered by StepLadder
Hi Steve,
I'm so sorry StepLadder hasn't met your expectations, we aim to always delight our Members with our service and as you can see from the other reviews on here then we nearly always manage to do this.
I understand your disappointment that you have not been drawn yet, but the Circles are drawn at random and it really is luck of the draw who is picked by the computer. Each spot has an equal chance of being selected.
You also mentioned that you had joined Stepladder to improve your credit rating. We report monthly to Equifax - both for drawn and undrawn members. While we cannot audit Equifax’s own methodology (as it is their IP), we do understand that regular payments, and balance repayment, are positives for credit score.
I'll email you an offer to see if you're prepared to give us another try. Most of our Members love the excitement of Draw Day and report that it keeps their motivation for saving high.
Thank you for taking the time to leave a review and do look out for my email.
Kind Regards,
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
Very great platform for raising money…
Very great platform for raising money when you need it
August 9, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Toyin,
Thank you for your review, its lovely to hear that you think our platform is 'great' and that it has helped you to raise money. We are so pleased to be able to help.
We look forward to continuing to support you to reach your financial goals, if you need anything further, please do not hesitate to contact us.
All the best
Sarah
Sarah Garrett - Operations & Community Manager StepLadder
Stepladder really helped me to save its…
Stepladder really helped me to save its brilliant.
I don’t know anyone who does partners so this was ideal for me.
I have saved £100 per month and paid off £1000 off a loan I am trying to clear.
August 9, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Alison,
Thank you so much for this lovely review. We're delighted that we have helped you to save to pay off your loan and that you thought the experience was 'brilliant'. Our aim at Stepladder is to make the process of raising funds as easy as possible.
We love helping our Members to reach their financial goals and plan for the future. We look forward to continuing to support you, do get in touch if we can help you any further.
All the best
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
safe reliable money circle system
safe reliable money circle system, dd payments and direct to bank payout, taken the pakistani comittee system and made it applicable to the modern world as more and more are beginign to lose money as a mans word is no longer their word
July 12, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Iddy,
Thank you for your fabulous review. It has been our aim at StepLadder to take Savings Circles online and to make them more reliable and available to all.
We wanted to create a digital system which takes the pain out of saving and increases the enjoyment of finally achieving your goal!
We pride ourselves in the transparency and fairness of our platform which makes the whole process easy for everyone.
It's great to hear your positive feedback and it sounds like you might have some valuable experience of 'Committee's', we would love to gain your insight if you are up for a quick chat?
All the best
Sarah
Sarah Garrett - Operations & Community Manager StepLadder
Reply from Circles 360 - Powered by StepLadder
Hi Kesia,
Thank you for your review, we are so pleased you have been able to 'access the money early'.
We love helping our Members to reach their financial goals and plan for the future.
All the best Sarah
Sarah Garrett - Operations & Community Manager StepLadder
Good services
April 12, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Josephine,
Thank you for your review, so pleased you have found that we offer 'Good services'.
Keep going and please tell all your friends about us!
We look forward to continuing to support you to reach your financial goals, you know where we are if we can help in the future.
Kind regards
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
It helps me to save and it was very nice experience saving with stepladder
very nice experience saving with stepladder
April 12, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Jane,
Thank you for your review, we are so pleased that we have helped you to save and that you have had a ‘nice experience’.
We love helping our Members to reach their financial goals and plan for the future.
We look forward to continuing to support you, do get in touch if we can help you any further.
All the best Sarah
Sarah Garrett - Operations & Community Manager StepLadder
Great for achieving your goals
Constant communication from Stepladder and a very trusted investor. Great service from all and it really helped me achieve my goals much earlier than expected
April 12, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Jack,
Thank you so much for your review, we are delighted to have been able to help you ‘achieve your goals much earlier than expected’ and that you have found us to be a ‘trusted investor’.
We love supporting our Members and hearing great feedback makes our day! We look forward to continuing to support you to reach more financial goals. Do tell your family and friends about us!
All the best Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
It was efficient and fast
April 12, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Olga,
Thank you for your review, we are really pleased that you found it was 'efficient and fast'. That's certainly great feedback to hear!
We look forward to continuing to support you to reach your financial goals, if you need anything further, please do not hesitate to contact us.
All the best
Sarah
Sarah Garrett - Operations & Community Manager StepLadder
I am very happy with the service…
I am very happy with the service provided by this company! As soon as I got the first draw, I was quite surprised. It is a very straight forward process. After the draw, I received my payment the next day, so it seems that the process is pretty quick. The number of circles I have open is four, and I plan to use this service this year to save up for holidays and household items, and maybe next year to start saving for my new home.
March 7, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Sherella,
Thank you so much for this lovely review. We're delighted you are happy with the service we provided. Our aim at Stepladder is to make raising funds a ‘straight forward process’ and we are so pleased that you found it so.
We love helping our Members to reach their financial goals and plan for the future. We look forward to continuing to support you, do get in touch if we can help you any further.
All the best
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
Very serious
March 14, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Bogdan,
Thank you so much for this lovely review.
We look forward to continuing to support you to reach your financial goals, you know where we are if we can help in the future.
Best wishes
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
Reply from Circles 360 - Powered by StepLadder
Hi Luke
Thank you for your review, we are really pleased that you feel it is 'was a pleasant experience’ and that you would 'recommend' us. That's certainly great feedback to hear!
We look forward to continuing to support you to reach your financial goals, if you need anything further, please do not hesitate to contact us.
All the best
Sarah
Sarah Garrett - Operations & Community Manager StepLadder
Helful contribution
The monthly contributions feels like it is a normal household bills for me as it just comes out of my bank account. I like the fact that stepladder gave me prior notification before the payment is due.
February 10, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Abiola,
Thank you for your review, it’s always great to hear feedback from our Members.
Our aim is to make the process of raising funds, easy and just part of your monthly routine. The fact you feel that your monthly Stepladder contribution fee, feels like any other ‘normal household bill’ is great to hear. It’s also good to know that the 'prior notification' is useful, thank you.
We look forward to continuing to support you to reach your financial goals. Let us know if we can help you any further in the future.
Kind regards
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
I have used StepLadder in the past and…
I have used StepLadder in the past and had no issues with them. I signed up once again with them and I’m glad that I did as they help you save monthly and when it’s your time to draw there is no problem with the money being sent to your bank account.
Would highly recommend them.
February 10, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Engrid,
We love it when our Members come back and 'highly recommend' us. Thank you for your great review, we are so pleased to be helping you save monthly to reach your financial goals.
We look forward to continuing to support you, do get in touch if we can help you any further in the future.
All the best
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
Great experience saving money through…
Great experience saving money through stepladder.. i prefer to do more saving with stepladder in future
February 9, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Abarna,
Thank you so much for your review, we are delighted to hear that you have had a 'Great experience saving money through StepLadder'. We love supporting our Members and hearing great feedback makes our day!
We look forward to continuing to support you to reach more financial goals. Do tell your family and friends about us!
All the best
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
Reply from Circles 360 - Powered by StepLadder
Hi Oluwa,
Thank you for your review, we are really pleased that you feel it is a ‘Quick way to save’. That's certainly great feedback to hear!
We look forward to continuing to support you to reach your financial goals, if you need anything further, please do not hesitate to contact us.
All the best
Sarah
Sarah Garrett - Operations & Community Manager StepLadder
not what I'm expecting
not what I'm expecting, I don't understand how the draw work... and don't even know when it'll be my turn.
February 10, 2023
Reply from Circles 360 - Powered by StepLadder
Dear Benjamin,
I'm so sorry StepLadder hasn't met you expectation and you don't understand how the draw works.
The draw happens every 7th of the month and all our Members get emailed reminding them to log in and see if it's their turn to be drawn and receive their money. From there you should see a sequence of screens which let you know if this is your lucky month and what the next steps are.
I'm going to drop you an email (to the address you registered at StepLadder with) and explain in more detail, then you also have a direct line to me to make sure you are happy and everything is clear.
Once again, I am very sorry that you've been disappointed. We aim to delight each and every StepLadder Member.
Best Wishes,
Lucy Mullins
StepLadder Co-Founder
I signed up
I’m absolutely extremely grateful and for this I give them a 5*
Amazing company
Thank you
January 18, 2023
Unprompted review
Reply from Circles 360 - Powered by StepLadder
Thank you so much for this lovely review. We're delighted you are are happy.
Best Wishes,
Lucy Mullins
StepLadder Co-Founder
I like the idea of saving together and…
I like the idea of saving together and you are drawn. The reason I give 3 stars is the charges are high so in the end you lose some money.
January 7, 2023
Reply from Circles 360 - Powered by StepLadder
Dear Musa,
Thank you for your review and it's great to hear that you like the idea of saving and being drawn.
We'd love to offer our product for free but unfortunately we do have to charge fees to cover the cost of providing a service to our Members. We use the fees to cover the cost of reporting to the credit bureau , risk mitigation for Members, providing Members with great deals and running the Membership Team who are here to support and help you on the journey. Our philosophy is not to profit from these fees but to cover the cost of delivering a great service to our Members.
I appreciate you taking the time to let us know your feedback on the fees and I will report back to the team.
Kind regards
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
Thank you kindly 🙏
Thank you kindly becouse helps me to save money and enjoy the planned amount earlier .
Thank you 🙏
January 11, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Elena,
Great to hear from you and that we are helping you to save money. Congratulations on being drawn in your Circle! We look forward to continuing to help you to reach your financial goals. Keep going and please tell all your friends about us!
Kind regards
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
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