Circles 360 - Powered by StepLadder Reviews 161

TrustScore 4.5 out of 5

4.3

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

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

5-star
4-star
3-star
2-star
1-star

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Advertisement
Rated 5 out of 5 stars

Achieving your goals has never been so easy.

Honestly, I don't know why I felt it was a waste of time. I started Stepladder with the hope of getting some extra for my deposit to get into the property ladder. Just when I was in need, I was able to raise that extra through Stepladder, I don't see myself stopping. Thank you Stepladder for the correspondence, replying to every email and making sure we achieve our goals.

July 9, 2020
Unprompted review
Rated 5 out of 5 stars

Stepladder was surely one of the best decisions I made…

Stepladder was surely one of the best decisions I made..

For myself, I've always struggled with putting specific amounts into savings - or yet still, I've saved & then taken money right back out - like a revolving cycle. Stepladder allowed me to specifically control my savings & I don't think I would have had the same discipline over the 12 month period (if doing it alone)..

I joined a £750 circle which raised £9k which was a GREAT step onto the ladder :) Growing up I had heard some family members speak about money circle but never really caught interest..
However, I would definitely recommend joining a circle to anyone (even if you are a disciplined saver or not) - the commitment in of itself would support/assist you to your goals, like it did for me.

June 30, 2020
Unprompted review
Advertisement
Rated 5 out of 5 stars

Excellent community and support from…

Excellent community and support from all team members, joining Stepladder allowed me to take the first steps towards acquiring my first property.
This is exactly the help needed by first-time buyers like myself.

February 6, 2020
Unprompted review
Advertisement
Rated 5 out of 5 stars

Excellent Idea

That was my first attempt to save some money for buying a property.Stepladder showed the way. Thanks to Stepladder.

January 15, 2020
Unprompted review
Advertisement
Rated 5 out of 5 stars

Great customer service

Great customer service, would definitely recommend. They have been amazing in supporting me to reach my savings goal and owning a home - in London - is no longer just a dream thanks to them.

December 30, 2019
Unprompted review
Rated 5 out of 5 stars

Very informative and friendly customer…

Very informative and friendly customer service

November 18, 2019
Unprompted review
Circles 360 - Powered by StepLadder logo

Reply from Circles 360 - Powered by StepLadder

Lovely to have you as a member Thelma. Hope to meet you at an Open House one day.

Lucy

Co-Founder and Head of Membership

Rated 5 out of 5 stars

I joined StepLadder about 6 months ago…

I joined StepLadder about 6 months ago and was drawn this month, 7 days before completion on my property purchase. This couldn’t have been a better time.

I had a few hiccups with my solicitor, but the team at StepLadder stepped in and helped to get me out of a pickle.

I have just completed the purchase.

Thank you to all the team at StepLadder and especially Lucy, who was in contact with me upto completion.

I just hope all companies had such good customer support. Well done team StepLadder.

November 15, 2019
Unprompted review
Circles 360 - Powered by StepLadder logo

Reply from Circles 360 - Powered by StepLadder

Thank you Ranbir. We're delighted you've got your new home. Wishing you much happiness in it. Thank you for being a member of StepLadder.

Lucy

Co-Founder and Head of Membership

Rated 5 out of 5 stars

Excellent company

Excellent company ! I didn’t expect I will be awarding the money so quickly!

November 11, 2019
Unprompted review
Circles 360 - Powered by StepLadder logo

Reply from Circles 360 - Powered by StepLadder

Thanks Evelin. Delighted to have you as a member. Somebody has to come first! ;-)

Lucy

Co-Founder and Head of Membership

Advertisement
Rated 5 out of 5 stars

Good customer service who are…

Good customer service who are knowledgeable and helpful.

November 9, 2019
Unprompted review
Circles 360 - Powered by StepLadder logo

Reply from Circles 360 - Powered by StepLadder

Thanks James. Great having you as a member of StepLadder. Hope to see you soon at a Member Open House night!

Lucy

Lucy Mullins
Co-Founder and Head of the Membership Team

Rated 4 out of 5 stars

Very easy to join and well organised.

November 8, 2019
Unprompted review
Circles 360 - Powered by StepLadder logo

Reply from Circles 360 - Powered by StepLadder

Thanks Oluwatosin. Great to have you as a member of StepLadder.

Let me know how we can get even better... l.mullins@step-ladder-solutions.com


Lucy

Co-Founder and Head of Membership

Rated 5 out of 5 stars

Excellent Service

This is my first time using stepladder and what can I say, it is super easy to use, great customer service and it does what it says on the tin. I joined the £10,000 circle and it's a great way of obtaining money for a house deposit quicker than saving up.

November 7, 2019
Unprompted review
Circles 360 - Powered by StepLadder logo

Reply from Circles 360 - Powered by StepLadder

Thanks Atem. Fab to have you as a StepLadder member. Hope you can make an Open House event soon.


Lucy

Co-Founder and Head of Membership

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.

Take a closer look