A friend of yours, is a friend of ours.


Are you happy with the service we’ve provided and have a friend that might need Laddr’s help to run, protect or grow their business?

Refer a friend Page Hero
Laddr Digital Card

Share the news and when your friend’s loan settles, you’ll both receive a $100 Vault Pays-enabled prepaid Mastercard®

This gift card can be used be used for purchasing goods and services where the Card is accepted for electronic transactions (excluding transactions at ATMs or over the counter at financial institutions). The Card cannot be used as a credit card and cannot be linked to any deposit account.

If you know of someone with a business that may need some new equipment to take on bigger jobs, or some Line of Credit to help them smooth over lumpy payment cycles, refer them to Laddr and we'd be happy to help. There's no limit to how many friends you can refer.

How it works

  • Tell your friends and family about Laddr.
  • Ask your friend for permission to refer them to us.
  • Refer a friend by filling out the form below.
  • We’ll contact them to get the loan application process started.
  • Get your reward. When you friend’s loan settles, you’ll both receive a $100 Vault Pays-enabled prepaid Mastercard®.
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Refer a Friend Promotion

  1. The Refer a Friend Promotion is provided by Laddr Finance Pty Ltd (ABN 52 651 284 187) where Laddr Finance customers qualify to receive a $100 AUD Vault Pays-enabled Digital prepaid Reloadable Mastercard® for referring their friends and family to Laddr Finance services. For every additional person referred, Laddr Finance customers will receive a $100 reload to their Vault Pays-enabled Digital prepaid Mastercard.

  2. Promotional Period From: 9:00am AEST on 1 October 2022 To: 5:00pm AEST on 30 June 2024.

  3. You must be a current Laddr Finance customer to be eligible to refer your friends and families for a business loan through Laddr Finance and provided by TruePillars (ABN 36 603 933 508). Laddr Finance and TruePillars employees are not eligible to participate in this Refer a Friend promotion.

  4. To refer a friend for a business loan, your family member or friend must i) not already be an existing or previous Laddr Finance customer; ii) be an Australian resident and iii) be over 18 years of age. You cannot refer yourself for a Laddr Finance loan.

  5. The Refer a Friend reward is payable for each new customer referred that settles their first loan within 6 months of referral with Laddr Finance. Note: Applications that have multiple borrowers, including multiple loans are eligible for only one reward.

  6. Within 7 days of the loan being funded and your referral being approved, you will receive an SMS on your mobile device with details on how you can access your Vault Pays-enabled prepaid Mastercard. For privacy reasons, we can’t tell you which friend’s loan application was settled.

  7. By participating in the Refer a Friend Promotion, you agree to these Terms and Conditions and confirm the following:

    • confirm you have consent of the person named to provide their personal information to Laddr Finance. Personal information is collected, used and disclosed in accordance with Laddr Finance’s Privacy Policy.

    • you are over the age of 18;

    • as a Referrer are a current Customer of Laddr Finance;

    • you agree that you will not use this Promotion for illegal or immoral purposes or any other purpose that are not in line with these Terms and Conditions;

    • you agree that you will not use our platform in any way that may cause damage, harm or impairment to our platform that affects the efficiency of providing our services; and

    • you agree that you will not provide false or misleading information and will not impersonate any other person or misrepresent your connection with a person.

  8. It is the Vault Pays-enabled prepaid Mastercard holder's responsibility to ensure the Card is redeemed before the issuer’s expiry date. Redemption of the Vault Pays-enabled prepaid Mastercard is subject to any Terms and Conditions of the issuer.

  9. Any ancillary costs associated with redeeming the Vault Pays-enabled prepaid Mastercard are not included. The Vault Pays-enabled Prepaid Reloadable Mastercard must be activated within 12 months of issue and is valid for 36 months after activation. At expiry of the Vault Pays-enabled Mastercard any unused balance will be forfeited. We will not give you notice prior to expiry. Card expiry and balance can be found on your mobile device in your digital wallet. The Vault Pays-enabled Prepaid Mastercard is issued by EML Payment Solutions Limited (ABN 30 131 436 532) AFSL 404131 pursuant to license by Mastercard Asia/Pacific Pte. Ltd. See https://vaultactivation.com.au/#/terms#vault for terms and conditions. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

  10. Rewards, including any unused portion, are not transferable or exchangeable and cannot be taken as cash. No responsibility accepted for a stolen, lost or expired Vault Pays-enabled Prepaid Mastercard.

  11. Laddr Finance reserves the right to vary, supplements or discontinue this Refer a Friend promotion and these Terms and Conditions at any time in its sole discretion and without prior notice. If it is withdrawn, Laddr Finance will honour all referral entered before the promotion is withdrawn, provided that the loan is approved and funded. The Refer a Friend promotion is not applicable in conjunction with any other promotional offer, unless expressly indicated. Laddr Finance has the right to exclude anyone from this promotion at its absolute discretion without any obligation to provide notice or a reason. If you use the Refer a Friend promotion in a manner that’s not satisfactory to use or in line with the intent of the promotion, we may refuse to pay the Reward to you in our discretion. This includes conduct, which is designed to undermine the fair and intended operation of the promotion.

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