FCA authorised and regulated
600,000 investors and borrowers
Operating since 2010
£3.2 billion invested to date
The UK's most popular peer to peer platform
Peer to peer means better value for everyone
We believe it’s your money so it makes sense that you get the best value from it. By connecting people who have money to invest with those who want to borrow it, everyone gets a better deal. It’s as simple as that.
Smart
investors
You can earn more by investing into a portfolio of loans to creditworthy households and businesses.
Households
and businesses
Get a flexible loan at competitive rates, with a simple application that does not affect your credit score.
Protecting our customers is important to us
Protecting your money is our top priority, because without you, there’s no RateSetter. Since 2010, we have provided stable returns to our investors, while our borrowers have enjoyed flexible loans at competitive rates. Our Provision Fund offers that added peace of mind.
Invest
Earn interest every day
+
Invest tax-free in our Innovative Finance ISA
+
All investments protected by RateSetter’s Provision Fund
Borrow
Get a loan at competitive rates
+
With flexible repayment terms
+
Fast response with no impact on your credit score
The UK's most popular peer to peer platform
Ever wondered how your bank makes money? By lending your money. Well, we believe that your money should work for you instead of someone else.
In 2010, we founded RateSetter on that principle. We created a peer-to-peer platform to connect those who have money to invest with those who want to borrow it, providing better value to everyone.
We may not offer the lounge service and marble foyer of your bank, but we exist for people who want rewarding investments. Or a competitive loan.
We are committed to being the UK’s safest and most liquid peer-to-peer platform (perhaps that’s why we’re also the most popular). Read more
RateSetter news
RateSetter celebrates Queen's Award win at Buckingham Palace
On Tuesday 11 June, we celebrated winning the prestigious Queen’s Award for Enterprise at a royal reception held at Buckingham Palace. Our CEO, Rhydian Lewis, and our Head of Wealth Management, Alexa McAlister, explain why receiving the Queen’s...
Interview with Michael Hoare, Chief Credit Officer
Michael Hoare oversees RateSetter’s credit function. We talked to Michael about how RateSetter manages lending risk and the Provision Fund. What does a Chief Credit Officer do? My role is to manage lending risk with the objective of ensuring that...
New methodology for calculating expected Provision Fund outflows
Every quarter, we analyse the most recent data for each loan portfolio (e.g. consumer, commercial) and re-examine our performance forecasts and projections for future Provision Fund outflows based on this data, adjusting them as necessary. Our...
The FCA refreshes P2P sector regulation
The FCA has published the outcome of its review of the regulation of peer-to-peer lending via a Policy Statement on its website this morning. This follows a consultation on proposals over the last nine months in which RateSetter engaged actively,...
Celebrating our Queen’s Award for Enterprise win
This morning, we were delighted to be joined by the Lord Mayor of the City of London, Peter Estlin, at our London office to celebrate our Queen’s Award for Enterprise win . The Lord Mayor is the Queen’s representative for the City of London....
Queen’s Award for Enterprise a “tremendous honour”
RateSetter is honoured to receive the prestigious Queen’s Award for Enterprise in the Innovation category. We are the first peer-to-peer investment company to achieve this award. The Queen’s Awards celebrate outstanding achievements by UK...
