A Better Way to Borrow, Peer to Peer

RateSetter loans are fast, flexible and easy to manage. A no-obligation SmartQuote
can tell you whether you are likely to get a RateSetter loan, in just 2 minutes.
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Borrower Reviews

"I sent off the application for a loan on day one, had it accepted by the next day and the money was in my account within 24hrs! Reasonable monthly payments and also really like that you can repay lump sums or complete repayment early with no penalties."

Borrower Reviews

"Borrowing with ratesetter was a fundamentally different experience to borrowing with a bank or credit card company. Banks tend to want to keep you in debt on a never ending treadmill whereas I felt that you were on my side "

Borrower Reviews

"I felt that I wasn't being exploited. I took advantage of the ability to control the rate of repayment on several occasions, and there were no silly "penalties for transgressions"... "

Borrower Reviews

"... I managed to repay my loan early and I hope that your lenders made some money in the process. Win-win. In effect you helped finance my PhD so in the long run the loan will pay for itself. Maybe one day I will be back as a lender."

Borrower Reviews

"I used this loan to have my classic car fully restored. The process was easy and simple from the online application to the telephone confirmation of me and granting the loan. Very happy with the rate - far more competitive than that of all the banks."
 

Borrow up to 5 years

APR based on £10,000 over 60 months
8.9%*