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Select the loan you want by using our hassle free Ladder Loan calculator.
Choose the amount you wish to borrow over the term that works best for you.

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

Our Interest Simplified
You borrow £1000
Over X months 12
Your monthly repayment £163.10
Total you repay £1957.20

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

  • Fast deposit
  • Secure online application
  • Lending decision within minutes
  • Excellent customer service
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Loan Examples

You Borrow(£) Term (months) Monthly Repayments* Total Repayments

£500

6

£122.38

£734.28

£1000

6

£244.76

£1,468.56

£1500

6

£367.14

£2,202.84

£500

12

£81.55

£978.60

£1000

12

£163.10

£1,957.20

£1500

12

£244.66

£2,935.92

£500

18

£69.88

£1,257.84

£1000

18

£139.76

£2,515.68

£1500

18

£209.64

£3,773.52

*These figures are based on an annual interest rate of 147% (fixed) and a 299% APR representative.

The monthly repayments will be made on a specific date each month chosen by you. Choose a date from the 1st and the 28th of the month following the deposit of your funds. You decide which date will suit your requirements, there is no need to be confined to your payday!

We charge no arrangement fee to set up a loan but do charge a £12 late payment fee. We add no extra interest if you call to make additional payment on your agreed monthly amount. Alongside our convenient online application and fast deposit times, this makes us a hassle free option for your borrowing needs.

Ladder Loans reserves the right to charge interest on outstanding payments. Our company ethos of transparency makes being upfront important, so any charges applied will be clearly stated and no unfair charges will be applied. We will provide you with all information regarding our interest, APR and monthly repayments, so you can assess whether the loan is suitable for you.

Friendly support from the Ladder Loans team

We always recommend that if a customer finds a repayment has been missed they should get in touch with us as soon as possible. The staff at Ladder Loans are only an email or phone call away and are more than willing to discuss your account with you. 

If you feel that you are going to miss a payment or have already, please don't hesitate to contact us on 0871 55929091. We're reasonable, understanding and on hand to make appropriate arrangements for you. In most cases we're confident we can help.

By not repaying and not contacting us this may result in us taking legal proceedings to recover the debt and our reasonable legal costs and expenses. Information will be recorded with Credit Reference Agencies which may adversely affect your credit rating and may mean that you find it more difficult to obtain credit in future.

We don't want this to happen to any new or existing customer, so please consider your circumstances before applying for a loan.