Circles 360 - Powered by StepLadder Reviews 161

TrustScore 4.5 out of 5

4.3

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Rated 1 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

  1. Non-Bank Financial Service

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

4.3

Excellent

TrustScore 4.5 out of 5

161 reviews

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Rated 1 out of 5 stars

stay away

they are not backed by the Financial Services Compensation Scheme, if they go bust so do your savings

October 20, 2021
Unprompted review
Circles 360 - Powered by StepLadder logo

Reply from Circles 360 - Powered by StepLadder

Hi Wanshika,

We're sorry to see your 1-star rating, especially as you haven’t yet had a chance to experience our service or product. We’d love to understand what’s led to this review and help rectify it. Please get in touch with us at membership@step-ladder-solutions.com and I’d be very happy to have a call with you.

You’ll see from our press coverage, many member testimonials on our website and the other TrustPilot reviews here, that all of our Members are delighted with our service.

StepLadder is not covered by the FSCS because we are a peer-to-peer platform operator, not a savings scheme. If you look at other peer-to-peer lending schemes you'll see that they are not covered by the FSCS. StepLadder is however, 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 under reference 783003.

Sarah Garrett
Head of Operations and Membership Community

Rated 5 out of 5 stars

Totally I recommend everyone who want…

Totally I recommend everyone who want to save money and be sure they will be there when they will need to use ! Great system to help each other!

September 26, 2021
Circles 360 - Powered by StepLadder logo

Reply from Circles 360 - Powered by StepLadder

Thanks for taking the time to leave us a review George. There is nothing better than hearing how we have been able to help our Members.

Sarah Garrett - Operations & Community Manager, StepLadder

Rated 5 out of 5 stars

Stepladder has been a game- changer

Stepladder has been a game- changer of savings! I wasn’t sure what to expect or what to do to be honest when I joined but from the onset the customer service is top-notch and very friendly. No question/problem is too small and they are very patient.
The regular emails are very useful and informative on how to save for your deposit , manage your money, how to manoeuvre in getting the best mortgage and many more. It’s helped encourage me to stick to it. Joining a circle is so easy and you can choose a circle with what you can afford to pay each month.
There are many prizes to be won and chances for you to get something. I won the monthly draw from my circle in August worth £500 and also won a £25 prize as my first monthly payment for my 2nd circle. Oh yess you can have more than one circle running meaning more chances of being drawn! Awesome!

September 14, 2021
Rated 5 out of 5 stars

Savings

A straightforward process from start to end, a great way to save! Even better as you get a lump sum by the end.

August 9, 2021
Rated 5 out of 5 stars

Excellent Savings Scheme

This is an excellent way to save money in a safe group environment every month with the flexibility to choose the amount that is affordable for you. There are also useful financial advice sessions to get you informed. I joined and saved nearly £1k and I would not have been able to do it on my own. It really works and I highly recommend it.

July 16, 2021
Rated 4 out of 5 stars

I think that Stepladder has been great…

I think that Stepladder has been great to help me commit to saving. They have excellent customer service skills and always responding to my queries quickly. They appreciate feedback and very customer centric. I would suggest they relook their pricing structure as this platform is usually for people on low income and therefore interest fees should also reflect that. I.e to save money money this year I have had to spend £200…… they did however give me a months free membership so can’t complain! Due to the high fees however it has helped to improve my saving habits and as I try to save in the future probably will be more disciplined if I wanna save more in the long term

July 15, 2021
Rated 5 out of 5 stars

As with anyone handling your savings…

As with anyone handling your savings you have your concerns, but with stepladder I now have complete trust and will use them again 100%. I'm hoping this will be the start of a magical savings journey.

July 14, 2021
Rated 5 out of 5 stars

Meeting my objectives.

Stepladder is very good. It helps me to be able to save and build capital. Knowing that at the end of the month you jointly have to contribute, give the opportunity to priorities it. Great achievement. Thanks

July 8, 2021
Rated 3 out of 5 stars

Was an Ok experience just the joining…

Was an Ok experience just the joining and receiving money back should be a lot smoother I think .

June 15, 2021
Circles 360 - Powered by StepLadder logo

Reply from Circles 360 - Powered by StepLadder

Hi Trish,
It was lovely to speak to you tonight - thank you for your understanding. We're so sorry you didn't have the usual StepLadder experience.

Thank you for being part of the StepLadder community.

Very best wishes,
Lucy

Lucy Mullins
Co-Founder, StepLadder

Rated 5 out of 5 stars

I joined step ladder so I could save…

I joined step ladder so I could save some money towards some home improvements. Step ladder helped me save an amount monthly and before I knew I had been drawn and I got the money I was planning to save. It worked and very happy that I joined step ladder. I would recommend them to any one who wants to achieve their goal for saving. Thank you step ladder

June 14, 2021

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