Join our new Circle for 2023

Join our new
Women’s Circle

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ROSCAs, or Circles, as we call them at StepLadder, help to empower women by providing a funding stream where others may not be available. Join our new Women's Circle to celebrate this unique form of raising money. ROSCAs support women all over the world to become more financially independent, get on the property ladder and bring communities together.

Join our new Women's Circle

Why are you creating a Circle for women?

Historically, ROSCAs, or Circles, as we call them at StepLadder were created to empower women. In communities across the world, and especially where slavery existed, ROSCAs were formed by women for groups of women to provide resilience and distribute resources when they were needed.

Nowadays ROSCAs are still seen as critical for the financial inclusion of women in developing countries, giving autonomy and increasing cash flow and home ownership for women by nearly 4%

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If I sign up today, when will I have my money?

This new Circle begins on 1st April so if you sign up today you will be in with the chance of drawing your money as early as May 7th.

You will raise £1,000 in the Women’s Circle - putting aside £100 a month for 10 months. Places are limited as this is a brand new Circle for Spring 2023.

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Here’s how we’ve helped some of our Members…

  • "I’m saving in a group which means I’m actually going to do it! And, I could get my money within my first month - 10 months faster than if I was saving by myself. I will definitely keep saving this way and join another Circle."

    Ed, StepLadder Member

  • "I've always struggled with putting specific amounts into savings. I've saved and then taken money right back out. Stepladder gave me discipline over 12 months that I don't think I would have had on my own."

    Leslie, StepLadder Member

  • "On my island [the StepLadder concept] goes by a French name - the Susu. StepLadder is very much based on this system and I was impressed. All my queries were dealt with quickly and I was put at ease."

    Leona, StepLadder Member

  • "We were very happy to secure our home in time for our first child’s birth. Without using StepLadder, we would have needed at least another year to raise the £25,000 and we would still be stuck renting."

    Navjot, StepLadder Member

A community finance club

StepLadder is a powerful digital platform taking the ROSCA money-raising concept online for the first time ever. Raising money in a group means you are supported by your new community and our team.

You will join a Circle with other women, share tips and moral support in the Circle chat function in the platform.

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What are the benefits of StepLadder Circles?

1 - Get the money you need in less than two months

In times of rising inflation you need to get ahead of the banks. By joining a StepLadder Circle you can avoid expensive loans to get the money you need - and up to 90% faster than raising money alone.

2 - Build better money habits that stick

When you put money in your Circle every month a few things will happen; you create a good habit, build your credit score and really consider where your money goes - all things that will help stabilise your financial future.

3 - Enjoy playing the draw every month to see if you’ve won!

Our Members love spinning the StepLadder wheel on Draw Day (the 7th of the month) to see if it’s their turn for the cash lump sum! The platform is also full of articles, tips and news to help you learn more about your finances.

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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.

  • 1. We help you decide on your goal and then match you to a Circle with other people raising the same amount

  • 2. Every month every Member of the Circle puts in the same amount of money

  • 3. Members borrow from and lend to each other and on the 7th of the month it's Draw Day! One person in the Circle is randomly allocated the total.

  • 4. This continues every month until every Member of the Circle has drawn their money

 
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Start Using StepLadder Today

Join over 2,000 people on their journey to towards their goals.

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Plans start from £25 monthly.

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FAQs

 

  • 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.

  • 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

  • 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.