About Ladder Loans

Ladder Loans, launched in January 2012, is a trading name of Instant Cash Loans Ltd and is an online provider of personal loans.

Instant Cash Loans Ltd is authorised and regulated by the Financial Conduct Authority.

Ladder Loans offers loans ranging from £400 - £1500 over 3, 6, 9 or 12 months.

The name Ladder Loans will appear on your Direct Debit Instruction and on your bank statements when you make your monthly payments.

We have a knowledgeable team working to ensure your experience with the company is as smooth as possible.

Making your life easier with our secure online application and high level of customer service is an important company goal.

Responsible Lending

At Ladder Loans, we are dedicated to providing a convenient personal loan service. We aim to meet every customers needs whilst maintaining a responsible lending culture. 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 and Fraud Prevention Agencies to carefully consider all applications and assess whether a loan is affordable to customers by requesting Income and Expenditure information

  • Provide all contractual information in a clear and transparent format

  • Offer all customers a polite and professional service

 What Ladder Loans don't do:

  • Actively target customers with debt problems

  • Lend funds to individuals who we don’t believe can repay

  • Deal with individuals if we can't validate their identification or authenticity

Our loans are only intended to provide you with credit for a period of 3, 6, 9 or 12 months.

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.

If you have any further questions regarding our service please Contact Us.

Representative Example

Loan Amount £1000
Monthly Payment £163.10
Term of Loan 12 months
Total amount payable £1957.20

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


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

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