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
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
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
Company replied
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
Company replied
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
Company details
Written by the company
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.
Contact info
Very good service 👍
January 11, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Florin
Thank you for your review, we are really pleased that you feel it is a ‘very good service’. 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
Easy way to save money
Easy way to save money. Very reliable company. I paid 105 a month and got paid in 7months. Very happy as I can now achieve my goals!
January 7, 2023
Reply from Circles 360 - Powered by StepLadder
Hi Orangzaib,
Thank you so much for your lovely review, we are delighted to hear that we have helped you to achieve your goal! and that you have found it an 'Easy way to save money'. 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 Andrei,
Thank you for your review, we are really pleased that you feel it is a ‘very good company’ and 'the best'. That's certainly great feedback to hear!
We look forward to continuing to support you to reach you financial goals, if you need anything further, please do not hesitate to contact us.
All the best
Sarah
Sarah Garrett - Operations & Community Manager StepLadder
My StepLadder saving experience
My experience has been great because over the last couple of years I have been able to save some money which is aimed towards helping ascend the property ladder.
I am yet to complete my goals but have continued to work on all options available to ensure I secure a home for my family.
December 20, 2022
Reply from Circles 360 - Powered by StepLadder
Hi Gilbert,
Thank you so much for your lovely review, it has been great to support you over the last few years and we look forward to continuing to help you towards your long-term goal of owning your own property.
It is feedback like this that makes our job worthwhile and we love hearing updates from our Members about the positive steps they are taking. I shall certainly be forwarding your feedback to the Membership team.
May I wish you continued success, and thanks again for your kind words. Do get in touch if we can help you any further in the future.
All the best
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
There was due diligence when it was…
There was due diligence when it was time for payment and once I confirmed my identity, my payment came through ASAP. I was dubious in the beginning and started with £25 monthly for 20 months. I will definitely increase soon. Thank you StepLadder
December 7, 2022
Reply from Circles 360 - Powered by StepLadder
Hi Kerla,
Thank you so much for your review. We totally understand when our new Members are slightly ‘dubious’. It can be hard to trust a company, especially when it comes to something financial. In that case we suggest new Members try our smaller Circle first, if they want to reassure themselves of the process and how it works. We love the opportunity to build your confidence in us and I am so pleased you want to continue your journey and progress to a larger Circle.
We look forward to continuing to support you to reach you financial goals, if you need anything further, please do not hesitate to contact us.
Kind regards
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
It was a lovely experience money from…
It was a lovely experience money from savings came when i needed it the most. Will highly recommend.
December 11, 2022
Reply from Circles 360 - Powered by StepLadder
Hi Suzy,
Thank you for your review, it is great to hear that you have found saving with StepLadder to be a 'lovely experience' and that the money from your savings came just when you 'needed it the most'.
We love helping our Members to reach their financial goals and we look forward to continuing to support you on your journey.
Kind regards
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
Love it
This company is assisting lots of people in terms of putting you with the right settings, saving for a house, or just saving in general etc... I've had really exciting experience thus far. Can't complain.
July 31, 2022
Unprompted review
Reply from Circles 360 - Powered by StepLadder
Hi Segun,
Great to hear from you again and that you are continuing to enjoy your Stepladder experience, the fact that you 'Love it' and are finding it a 'really exciting experience' is amazing feedback, thank you. Feedback like this is wonderful to receive and I shall be sure to pass it on to the Membership team.
Thanks again and do not hesitate to get in touch, if we can help you with anything on your StepLadder journey.
All the best
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
3rd year with SL.
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, savings, money management, financial advise etc.
Trusting a process as such has its pros and cons, but they are very transparent in the message. I'm very fortunate to say I will receive my payment in 3 to 5 working days which is perfect coming up to Christmas. I will always recommend someone because last year I've banked a great sum of money and it came right on time because it was the last draw.
December 7, 2022
Unprompted review
Reply from Circles 360 - Powered by StepLadder
Hi Kadian,
Thank you for your lovely review, it is great to get such positive feedback and we are really pleased that StepLadder has helped you with you 'savings and money management'. It is always our aim to be 'transparent' and clear in our messaging with our Members and I am glad that you feel that we have been.
We love it when our Members are able to reach their financial goals and hearing that you have 'banked a great sum of money', is fantastic and inspiring.
Congratulations on recently being drawn, and its super exciting that this has come just in time for Christmas for you.
We look forward to helping to support you for another three years and beyond, you know where we are if you need any help in the future.
Kind regards
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
I've entered a circle and had to wait…
I've entered a circle and had to wait almost a year to get my money. At this moment in the circle are only two of us who haven't been drawn and I'll also be the second to last one to be drawn or the last one which is quite disappointing. If you want to save money use Plum app which is going to set aside let's say 100£ each month and you don't have to pay taxes as you do with stepladder. I could have easily do that .
December 7, 2022
Unprompted review
Reply from Circles 360 - Powered by StepLadder
Hi Marius,
Thank you for your feedback, I am so sorry to hear that you are not satisfied with your experience at StepLadder. 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. So let's see what we can do to help you.
It is the nature of StepLadder Circles that unfortunately there is always one person that is ‘drawn’ last in their Circle and I understand that this can be disappointing.
The Circles are drawn at random, so it really is luck of the draw. 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
It's really and you can save more in here... well recommended
This is my first time using stepladder and its very useful to safe money and feel real and safe. I will recommend to friends and family.
Thanks for your project
November 15, 2022
Reply from Circles 360 - Powered by StepLadder
Hi Fatouma,
Welcome to the Stepladder! Thank you for your review. It’s always great to welcome new Members and we are really pleased that you feel it is a ‘very useful and safe’ way to save money.
Thank you for recommending us to your friends and family, we can’t wait to welcome them onboard.
Keep going and we look forward to helping you reach your financial goals.
All the best
Sarah
Sarah Garrett - Operations & Community Manager StepLadder
Great way to save!
I am glad I found Stepladder it's a great way to save and to keep me accountable for putting money away each month.
November 15, 2022
Reply from Circles 360 - Powered by StepLadder
Hi Rachel,
Thank you so much for your lovely review, we are really pleased that you have found StepLadder and feel that ‘it’s a great way to save’. We love supporting our Members and hearing that we are successfully helping you to be ‘accountable for putting your money away each month’ is brilliant.
We look forward to continuing to support you to reach your financial goals. Do get in touch if we can help you any further in the future.
All the best
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
A great platform to save money
A great platform to save money. Very simple and straightforward to use.
November 7, 2022
Reply from Circles 360 - Powered by StepLadder
Hi Sabrina,
Thank you for taking the time to leave us a review, it’s always great to hear feedback from our Members. I am so pleased that you think our platform is a ‘great platform to save money’ and you have found the whole experience ‘very simple and straightforward to use'.
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
Great company recommend
Great company. They tell you few days in advance when the payment will be taken and if you missed payment then they have great customer service to rearrange . I have 2 circle with them.
Only down fall is you just get what you put in there no interest or any other form of making More money from what you put in. Maybe in the future they will.
Defo recommned for people who struggle to saveon their own as my mind treated it like a outgoing payment rather than a saving.
October 20, 2022
Reply from Circles 360 - Powered by StepLadder
Hi Jurgita,
Thank you so much for your lovely review, we are really happy that you like this new way of saving and it's great to hear your positive feedback.
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
Reply from Circles 360 - Powered by StepLadder
Hi Lloyd,
Thank you so much for your review, it is always lovely to hear such positive feedback from our Members – I am so pleased that you have found it ‘Very helpful' and a 'Good way to save money’.
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
Hlw my name gauri I just step ladder in…
Hlw my name gauri I just step ladder in may and I am tying to contact them no one received call actually I want to withdraw money no response
October 6, 2022
Unprompted review
Reply from Circles 360 - Powered by StepLadder
Hi Gauri,
Thank you for your review and I am sorry that we missed your call earlier today. I understand that my colleague Peter has now been in contact with you and is arranging your payment.
If you need any further assistance, please do let me know.
We look forward to continuing to support you to reach your financial goals.
Kind regards
Sarah
Sarah Garrett - Operations & Community Manager
StepLadder
I was told by at least 2 senior…
I was told by at least 2 senior members of the team that the monthly amounts would be reported to credit agencies and that they would pay for my mortgage advisor if I used one that that they recommended . They never did any of the above. Stay far away from them . When the time came and I asked everyone claimed to be ignorant all that they said . Thank heavens I got my money . But I would stay clear . U can do what they do with a group friends or family .
July 30, 2022
Unprompted review
Reply from Circles 360 - Powered by StepLadder
Dear Gil,
I'm so sorry to hear you're not happy with the information you've been given.
All of our Members’ monthly payments are reported to Equifax every month. This has been the case with you, as well. However, due to the proprietary way the credit bureaus score, we cannot directly audit the impact of your payments on your credit score.
We offer to refer our Members to a mortgage advisor and try to help you get the best deal. You are never obligated to use any of our 40+ partners. This is contracted between you and independent advisors separate from StepLadder. So, paying for our Members’ mortgage advisor has never been something we offer. I am so sorry if this was your understanding. We’ll review all our communications to make them still clearer.
If you’d like to email me directly (lucy@step-ladder-solutions.com), we can discuss the specifics of your situation and I can investigate.
Very best wishes,
Lucy
StepLadder Co-Founder
My daughter has recently contacted the…
My daughter has recently contacted the company as her details were compromised and I couldn’t even find a section where it says to cancel your application so I’m going to suggest it being a scam website that isn’t backed by FCC’s
August 28, 2022
Unprompted review
Reply from Circles 360 - Powered by StepLadder
Dear Karen,
I’m Lucy, one of the Co-Founders of StepLadder and I’m very sorry to hear you’re disappointed with our service.
So that I can investigate this properly and find you a resolution, please ask your daughter to email me directly (lucy@step-ladder-solutions.com) and I’ll personally look into this.
We make it very easy for our Members to cancel if they no longer wish to be in a StepLadder Circle, so I’ll be happy to help with this.
With regard to our regulated status, we an Appointed Representative of More Lending Solutions Limited which is Authorised and Regulated by the Financial Conduct Authority in the United Kingdom. You can look us up on the FCA register using our firm reference number: 783003
Trustworthy and i know that my money…
Trustworthy and i know that my money was secure. Stepladder is very transparent
August 25, 2022
Reply from Circles 360 - Powered by StepLadder
Hi Patricia,
Thank you so much for your review.
At StepLadder it is our mission to provide excellent customer service and to support people to reach their financial goals. It’s great to hear your lovely comments, that you find us a ‘trustworthy’ and ‘transparent’ to engage with and feel that your money is ‘secure’ with us.
Helping our Members to feel this way is what it is all about for us, and I will be sure to share your feedback with the team.
Thanks again and I look forward to helping you in the future.
Kind regards
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
I joined u the 10 month circle
I joined up for the 10 months scheme and received my money in month ten so essentially i paid £5 admin fee every month and gave away £50 just to save £100 a month. I also joined this scheme to build my credit rating but I did not see stepladder in my credit report so I do not think it had any affect on my credit either. I will not be using again as I feel I just paid £50 to get my own money back at the end of the circle. It would have been useful if I had been chosen for a payout before the circle Ended but in my experience this was not the case
August 25, 2022
Reply from Circles 360 - Powered by StepLadder
Hi Atif,
Thank you for your feedback, I am so sorry to hear that you were not satisfied with your experience at StepLadder. 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. So let's see what we can do to help you.
It is the nature of StepLadder Circles that unfortunately there is always one person that is ‘drawn’ last in their Circle and I understand that this can be disappointing. The Circles are drawn at random, so it really is luck of the draw. 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.
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.
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
Reply from Circles 360 - Powered by StepLadder
Hi Moses,
I hope you are well, great to hear from you and thank you for your positive feedback. I am so pleased that you have found the information we have given you to be ‘Very helpful’. I can’t wait to continue to support you on your home buying journey.
Do get in touch if you need any further information. I am sure we will be speaking over the coming weeks.
Kind regards
Sarah
Sarah Garrett - Operations & Community Manager, StepLadder
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.