Ladder LoansReviews of ladderloans.com

I was not informed what I was to do on my end after this process was set up and started. Just they will be handling everything, and I don't need to do anything on my end. This led to several problems over the months. Payment dates have not been correct from day one. No matter how many times I reach out to get the problem solved I'm just told what I wanted to hear to get me off the phone with nothing being done to actually to fix the problem. I would like to give special thanks to David lopez at ladder Loans for making this process as difficult and unnecessary as possible.

Highly unprofessional and rude. I was contacted and given the option for information by phone OR email. Since I was working at the time in an environment where I could not take calls, I asked for the email option. The response I received told me that if I "cannot afford the time for a call, then we are not the lender for you", then proceeded to tell me they were closing my application until I can "find the time". Why even give me the option then? When I replied and told them that this was rude and their wording misleading, I received another passive aggressive response telling me that if I thought it was rude and not informative, then he (suddenly just him, not we) is not the lender for me. Damn right, because I would never do business with someone who treats clients in this manner. So beware if you receive any contact from Joe Navarro - allegedly a Sr. Consultant! - he is highly unprofessional and passive aggressive.

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.

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.

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 can’t trust this company specially guy who call me to do my application He ask me my social security number on phone and I said I can’t give to him on phone he said i wasted his time

They act like it’s a typically consolidation loan but it’s more like the national debt people that call you 24/7 and try to trash your credit. Highly do not recommend!

Not a loan company. They just do debt settlement. They have no intention of doing loans. Preying on certain clients who they know have no way out. Wrongfully terminated and both the manager and HR continue to ignore emails regarding incorrect time punches.