15,276+ Savers

£341m+ Lent

Not a penny lost since launch.

Find out more about the Provision Fund





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Monthly cost: £ Apply Now
Rep. APR*

A better way to save and borrow

RateSetter launched in October 2010 with one simple aim: to make peer-to-peer lending simpler for everyone.

Savers enjoy decent returns by lending directly.
Borrowers enjoy low-cost loans.
RateSetter ensures everyone gets what they expect.

RateSetter’s unique approach has ensured that every lender has received every penny, the only company to have done so.
And 98.5% of borrowers would recommend us to their friends.

Watch our video to find out why.

Watch our video

Why get a RateSetter loan?

Everything we do is designed to make getting a loan as simple and painfree as possible.
1Ease: instant no-obligation quote
2Value: low APR loans - Representative APR 8.9%*
3Speed: the funds can be in your account same day
4Flexible: repay at any time for no extra cost
5Control: don’t like the rate? Become a RateSetter!

Why lend through RateSetter?

You can get a great return on your money and stay in control. Although lending is not risk free (your capital is at risk), at RateSetter no lender has lost a penny.
1Better rates: use peer-to-peer to boost your rate
2Predictable: Provision Fund's 100% track record
3Ease: we focus on keeping things simple
4Flexible: you can sell out of your loans
5Control: don't like the rate? Become a RateSetter!