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About Us

Ladder Loans is a trading name of Inventive Finance Ltd and is an online based loan provider. We have a knowledgeable team working to ensure your experience with the company is as easy and as fast as possible.

All employees at Ladder Loans collectively have the same aim >> To lend in an upfront and simple way.

Making your life easier with our secure online application and high level of customer service is an important company goal. Like a ladder, we're handy for you to use when you need a step up >> That's why we called ourselves Ladder Loans!

Our customers can make their application in minutes by using our secure online service.

Responsible Lending

At Ladder Loans, we are dedicated to providing a fast and easy personal loan service. We make our best effort to meet every customers needs whilst maintaining our responsible lending pledge to you.  Our experienced team are able to answer any questions you may have and are also on hand to take your application over the phone.

What Ladder Loans do:
  • Offer personal loans to UK residents
  • Use Credit Reference Agencies to carefully consider all applications and assess whether the customer is able to repay by carrying out credit reference checks
  • Provide all contractual information in a clear and transparent format
  • Give our customers support in a highly efficient manner by providing polite and professional agents to contact if they wish to speak to somebody
  • Carry out fraud checks to absolutely verify who we loan to and eliminate the threat of money laundering
What Ladder Loans don't do:
  • Actively target customers with debt problems
  • Lend funds to individuals we don't believe can repay
  • Deal with individuals if we can't validate their identification or authenticity

Treating Customers Fairly

By being upfront and transparent we aim to make sure customers fully understand the interest and APR of our product. We also state our default fees and the implications of missing repayments before customers take out a loan with us. 

Our loans are only intended to provide you with credit for a period of between 6 to 18 months. If you require a loan for longer than 18 months our service is not suitable for you. 

Once you have made the decision to use our service and determined that the funds you wish to borrow are truly needed, please factor your repayments into your monthly budget and borrow responsibly.

Representative Example
Loan amount £1000
Monthly payment £163.10
Term of loan 12 months
Total amount to be repayable £1,957.20

Annual interest rate of 147% (Fixed) 299% APR Representative

Warning: Late repayment can cause you serious money problems. For help, go to

how much
how many
Monthly Repayment£0.00
Total Repayable£0.00
  • Fast deposit
  • Secure online application
  • Lending decision within minutes
  • Excellent customer service