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

Reply from Circles 360 - Powered by StepLadder
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!

Reply from Circles 360 - Powered by StepLadder
Excellent and efficient service. We loved saving with these guys, it was safe , transparent and just really easy to do. It felt like effortless saving!
Stepladder is helping to grow, in terms of savings. I hope to increase my saving and join with another circle soon. excellent group of people, they're helping me to achieve my goal.
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!
Great service and seamless process meeting clear expectations
I've had such a great experience with Step ladder.
Easy and straightforward process. really felt at ease using this system.
A straightforward process from start to end, a great way to save! Even better as you get a lump sum by the end.
Brilliant services and great save on my budget 😊
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.
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
Good people and good service to help for coming back on track
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.
This an amazing way to save your money and diversify. The customer service is very personal and I’m glad I took on the opportunity
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
Was an Ok experience just the joining and receiving money back should be a lot smoother I think .

Reply from Circles 360 - Powered by StepLadder
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
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