People with money to invest want access to risk and reward. Households and businesses want attractive loans. We match them up and help everyone get what they are looking for.
Earn up to
5.5%
Capital at risk
5 year average, pre tax, assumes reinvestment and no early repayment.
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We don't set the rates, our customers do. RateSetter is a marketplace where the rates are set by investors and borrowers. It just seems fairer that way and customers love it too!
Since launching in 2010 we've won over 20 top awards such as from the FT and Investors Chronicle.
Which? readers chose us as their favourite platform and with a 98% satisfaction score, our customers agree.
RateSetters have lent £1,455,965,891 without a penny lost. Past performance is not a guarantee of the future. However, it’s a track record we go out of our way to maintain.
Decide how much you want to invest. The average amount lent by our investors is £21,300, but you can invest as much or as little as you like.
Decide which market you want to invest in, from the Rolling to the 5 year.
Select either the current market rate, or set your own rate.
Once you are happy, invest your money and we take care of the rest.
Get a personal loan up to £25,000. Following approval through our fast online application the money can be with you within 24 hours.
We are specialists in business loans that are fast, flexible and fair. With loans up to £1m over a range of terms, RateSetter Business Lending could help your business.
RateSetter Property Development Finance is built on quick decisions and zero advance completion fees. See if we can help with loans from £500k to £3.5m.
Our simple application process means that once approved you can get the funds into your account without delay.
You can pay back some or all of your loan at any time without early repayment fees.
By cutting out the costs of the traditional high street we can offer a great rate.
See how much you can borrow and what it will cost at no obligation and without affecting your credit score.
Simply complete our full application form which takes no longer than 5 minutes for a quick decision.
We’ll provide a decision within 24 hours and it could be immediate.
Once approved, you can have the money in your account within 24 hours.