Monthly Access

  • Fund 6-12 Month Loans
  • Access max 30 days
  • Repaid at Term
Last Matched Rate
2.4 % annualised

1 Year Bond

  • Fund 1-2 Year Loans
  • Access max 12 months
  • Repaid at Term
Last Matched Rate
3.5 % annualised

3 Year Income

  • Fund 3 Year Loans
  • Repaid in 36 monthly instalments
  • Choose a reinvestment plan
Last Matched Rate
4.7 % annualised

5 Year Income

  • Fund 4-5 Year Loans
  • Repaid in 48-60 monthly instalments
  • Choose a reinvestment plan
Last Matched Rate
6.2 % annualised

Contact RateSetter

If you have any questions, suggestions or feedback please feel free to get in touch.



Lend money with RateSetter and earn more

6.0% *5 Year Income market

Lend Money

Lend money

Hello and welcome to RateSetter, the home of peer to peer lending in the UK, where you can lend money, putting it to better use, getting better rates of return on your savings.

For too long people have kept their money in their bank, locking away their capital in one of the numerous low-return savings products, failing to realise and unlock the profitable power of this capital. Here at RateSetter, we offer you a way to lend money, allowing you to reap higher returns from your savings, making your money work harder for you with us than it does at present, using our industry leading peer to peer lending platform.

How do you lend money with peer to peer?

Peer to peer sites such as RateSetter allow you to lend money to borrowers direct, without having to go through a bank, allowing you to benefit from the profit made on the loans that you make, rather than these returns going to line the velvet pockets of your bank.

The platform we provide allows you to decide how much money to lend, the rate at which you would be happy to lend and the period of time over which you want to ledn. We have worked to simplify both our platform and the process of lending money, allowing you to do so without any of the fuss or paper work, as we’ll take care of all of that for you. Along with this, you can also rest in the knowledge that your money lending is in good hands, and being offered through a regulated environment. At RateSetter, our goal is to make peer to peer lending simpler.

With RateSetter, you just set the rate. We do the rest.

Like any bank or creditor would, we thoroughly check the borrowers who use our system before you lend money to them, ensuring their credit worthiness, working to limit the risk of default or bad debt. This credit checking process is done by our specialist credit team, and will be carried out ahead of any money changing hands. RateSetter is unique in peer to peer lending, as our unique Provision Fund protects Lenders from bad debt: every single Lender has received every single penny of capital and interest.

We also manage your loans from start to finish, collecting payments and communicating with your borrowers on your behalf, making it simple for anyone to lend money online from the ease and comfort of their own home.

What is the average rate of return I can expect?

When you lend money through RateSetter you will benefit from some of the highest rates of return offered by any peer to peer lending across the UK, and typically, these are 7.0% on our 36 month loans and approximately 4.2% on our rolling monthly loans.

OK, so I want to lend money through RateSetter. What next?

If you’ve decided that you’d like to lend money with RateSetter then the next thing to do is to register by simply clicking the New to RateSetter? link at the top of this page. Alternatively if you have any questions, feel free to get in touch with one of our representatives either over the phone, by email or via the form provided on site. Once we hear from you, we will be in touch as soon as possible to help setup your account and will be on-hand to answer any questions you should have about us, our platform or peer to peer lending in general.