Ladder Loans Review: Red Flags Abound; Seek Funds Elsewhere
Ladder Loans isn't available on Finder right now.
- Max. Loan Amount
- $100,000
- APR
- 5.99% to 36%
- Min. credit score
- No minimum stated
Our verdict
You may be able to get a loan through this site, but be prepared for a hard sell on debt settlement.
Ladder Loans says it offers personal loans from $10,000 to $100,000 with rates starting at 5.99%. A customer service rep says it may offer loans directly or through one of its partner lenders, and same-day approval is possible. Or you may be steered toward a debt settlement program instead of a loan. But there are a few red flags. It has a bare bones website (consisting of only one page) that only mentions loans, the minimum loan amount is an oddly high $10,000 and nowhere does it mention offering debt relief services. It also claims to be “invitation only” by sending mailers advertising preapproved loan offers.
Best for: Because of its lack of transparency and other red flags, we recommend looking elsewhere for personal loans or debt relief services.
Pros
-
May offer loans up to $100,000
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Rates start at 5.99%
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Fast approval and funding
Cons
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Not transparent
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Likely more focused on selling debt relief
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High minimum loan amount
Is Ladder Loans legit?
Maybe. Ladder Loans claims to be strictly a lender on its website. It also sends out preapproval loan offers in the mail. However, after reading customer reviews and speaking with a customer rep, it seems much more likely you’ll be steered toward debt settlement than a loan. Plus, Ladder Loans appears to use misleading marketing techniques to try and draw customers in.
So, while Ladder Loans probably isn’t a scam, per se, we can’t recommend using a company that isn’t more transparent about what it does. If you’re looking for a debt consolidation loan, consider direct lenders that are transparent about what they do. Or if debt settlement is what you’re really looking for, compare legit debt relief companies instead.
Where Ladder Loans falls short
The company fails to be fully transparent about what it does. It claims to offer “invitation-only” installment loans, but the majority of customer reviews describe debt relief, not loans.
Plus, when we called the company, a representative said it doesn’t really give out a lot of loans these days. The reasoning was because the economy isn’t doing very well, so you could be offered debt resolution instead.
Furthermore, if it does offer personal loans — which the rep says it offers directly and through partner lenders — the minimum loan amount is $10,000. That’s on the high side for most personal loans, which typically start as low as one or two thousand. If you need a loan for less than $10,000, you may want to check out lenders that offer loans starting at $1,000.
What makes Ladder Loans shine?
If Ladder Loans really can hook you up with a personal loan at 5.99%, that’s a great deal. It also claims to offer loans up to $100,000, which is on the high side for personal loans.
But we’re not convinced its primary purpose is to provide loans, based on the vast majority of customer reviews. However, if you have good credit and sufficient income, it may be possible to get a loan through Ladder.
Ladder Loans details
| Minimum credit score/credit range | No minimum stated |
| APR | 5.99% to 36% |
| Loan amount | $10,000 to $100,000 |
| Terms | 12 to 60 months |
| Approval turnaround | Same-day approval possible |
| Availability | Not available in all states |
| Fees | Unknown |
| Other fees | Unknown |
Ladder Loans contact info
| Phone number | 866-552-3337 |
| Customer service hours | Weekdays: 7 a.m. to 7 p.m. PT Weekends: 9 a.m. to 3 p.m. PT |
| support@ladderloans.com | |
| X, formerly Twitter | N/A |
| Ladder Loans |
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How to qualify for Ladder Loans
These are the minimum requirements needed to qualify for Ladder Loans.
- At least 18 and living in a state that Ladder or its partners service
- No existing, pending, declined or expired application with Ladder Loans
- Application must be complete and verifiable
- IP address and application device must be verifiable
- Meet minimum income and affordability requirements
You may also need to provide proof of income and agree to a hard credit inquiry.
How to apply
Ladder Loans doesn’t have a fully online application process. If you get an offer in the mail, you can visit its website and enter your invitation code. After you enter your contact details, a customer service representative should reach out shortly to review your options.
You can also call and apply over the phone, according to a customer service rep, even if you haven’t received an invitation.
How Ladder Loans compares to other lenders
Since Ladder Loans may not be willing to provide you with a loan, you may want to consider these other lenders instead.
Compare other products
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How we picked theseWhat is the Finder Score?
The Finder Score crunches 6+ types of personal loans across 50+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
Ladder Loans reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 4.54 out of 5 stars, based on 125 customer reviews |
| Trustpilot Score | 4.4 out of 5 stars, based on 218 customer reviews. |
| Customer reviews verified as of | 24 September 2025 |
Despite high ratings on both the Better Business Bureau (BBB) and Trustpilot, the numerous negative complaints are concerning. Many reviewers describe the company as using misleading advertising to get you to apply for a loan and then employing aggressive sales tactics to try to sign you up for a debt settlement program instead.
Several people also describe the customer service representatives as friendly and helpful, until applicants decide not to move forward with the program. Those same reps are then described as rude and bullying, and a few potential customers were hung up on.
Positive customer reviews say the process was smooth and easy, and they were offered competitive rates. But even most of the glowing reviews describe debt settlement, not loans. It should also be noted that a few of the positive reviews, while not 100% identical, used some of the exact same phrases.
What do people on Reddit say?
Another Redditor said they’d received a mailer from Ladder Loans offering a $34,000 loan at 5.99% interest. However, when they pursued it further, the actual offers included interest rates of 30% or more, and they came from other companies.
Your reviews
Lacey Finder
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