Struggling to put money away?
Join a KogoPay Circle to work on your UK credit score*, raise money and achieve your financial goals.
Join a KogoPay Circle
Raise money with other people in the KogoPay community. Apply now and reach your goals together.
How does it work?
SET YOUR GOAL
Tell us your goal, and how much you can afford each month.
JOIN A KOGOPAY CIRCLE
We’ll match you with other members of KogoPay, giving you a supportive group to hit your financial goals.
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 money total.
We’ll support you to reach your financial goals.
However big or small your financial goal, as a StepLadder Member, you’ll get access to 1:1 support, specialist knowledge, and discounts for service providers.
SUPPORT
Direct access to the StepLadder team of property experts, wellness coaches, and financial cheerleaders.
KNOWLEDGE
Our home buying and financial wellbeing partners provide Members with discounts worth up to £1,500.
CREDIT SCORE*
Joining StepLadder could help increase your credit score.
SPEED
90% of StepLadder Members reach their financial goals faster than saving alone.
What our Members think
Join my Circle today
Join over 2,000 people on their journey to reaching their financial goals faster.
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.