Join an online Pardna, Susu or Ajo today!
Join other members of the African & Caribbean community to raise money towards your goals!
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RISK WARNING: Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong.
StepLadder is For The People!
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.
"Stepladder is a great company for the people!
With the break down of community Pardnas (due to the introduction of accessible loans) this was refreshing to see a company put community first, helping people generate and build house deposits. Being an ambassador and having run a successful circle myself, I can see first hand how Stepladder are literally changing the lives of so many people! Definitely check them out"
Natalie,
Runs 2 Pardnas on the StepLadder platform
How much do you want to save?
Choose a monthly plan to suit your budget and savings goals:
£100
per month (£1 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: 12 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
What our Members think
How it works
SET YOUR GOAL
Tell us your goal, and how much you can afford each month.
CIRCLE MATCHING
We’ll match you to a group of people with a similar financial goal. This will be your StepLadder Circle.
CONTRIBUTING THE SAME AMOUNT
Everyone contributes the same amount each month.
DRAW DAY
Each month, one person in the Circle is randomly allocated the total.
REPEAT
This repeats every month until everyone has received their savings total.
How is this different to a traditional Pardna, Susu + Ajo?
Everything is done digitally taking out the usual pains of being in a Pardna, Susu + Ajo
Trust
We put measures in place to make sure people pay. If they don't it becomes our problem and not yours.
Your Credit Score
Paying into a StepLadder Circle could improve your UK credit profileˆ
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.