Ladder LoansReviews of ladderloans.com

Marketing promised a loan. Before agreeing to a phone call, I clarified via text that this was a loan and not a debt settlement program. I was told that Ladder only offered loans and that I wouldn't be offered a debt settlement program. Did the phone call and sure enough I was offered a debt settlement program. Not only is this a bait and switch, but they out and out lied when I specifically asked, Not only that, they were very cagey about what they were offering. I had to ask three times before the salesperson confirmed this was debt settlement. When I said I wouldn't do this because of the impact on my credit the salesperson had the audacity to tell me it wouldn't negatively impact my credit. Clearly they are hoping for uniformed customers. Stay far away from this company.

I was helped by Joey Gonzalez and he was very informative and answered all my concerns. I just started the program so we'll see how it goes but so far everyone has been very kind and helpful.

The deception these people use is terrible. They don't give you clear information about how they operate. They supposedly offer you a low-interest loan, make you pay a monthly fee, tell you not to pay your debts because they're negotiating, and then you find out the negotiation period can be more than six months. They don't care about ruining your credit score, and you pay for a service they don't provide—that's a scam. Mr. Paul Nguyen from that company never gave me any information about the negotiation timeline. It's appalling. They work with your money and don't help you. I don't recommend them to anyone.

Beyond amazing experience! Marcos was incredibly helpful, answered all my questions, and provided exceptional customer service and advice. I feel relieved and so happy with the support I received. Highly recommend!

I kept getting Flyers so I decided I'd give them a call. The people seem nice but when you give them your information your loans come back with 35% interest rate type loans, even with fair to good credit. Then they immediately go into debt relief at that point I said thank you for your time and hung up

I recently had a uncomfortable experience with a agent named Marcos D it began ok but went down south after he continued to try and put me in a debt relief program. Today 2/12/26 a senior financial consultant named Michael M. Contacted me by email and wanted to do a soft pull on my credit. I responded and told him I was only interested in a loan. He never responded again! I wonder if this is a loan company or a debt settlement company only ?

Joe Higgins made the process very easy...everything was explained in a way I didn't have to ask what something meant...He was very helpful and thorough through the entire process...

Just started the process ill try to keep everyone updated. However I really lucked out, which is not normal, I got a gentleman representing and helping me, Wes is thename and he explains everything, continues to tell meto not worry so much and leave all the stresses with him. He is professional yet makes me laugh. He's educated and has many years of experience and knowledge, which helps me feel at ease.