A loan to make your plans a reality
Bring your plans to life with a RateSetter personal loan, from buying a new car to taking control of your existing borrowing.
Loans are subject to status and affordability. Terms apply.
Rated 4.9/5 on Smart Money People
Award-winning loan provider
Dedicated UK customer service team
FCA authorised and regulated
We are RateSetter
More than 800,000 customers have chosen RateSetter for our dedication to delivering market-leading products and services to borrowers and investors. RateSetter is part of Metro Bank, an award-winning bank that is celebrated for its exceptional customer experience.
RateSetter and Metro Bank have a shared focus on delivering something fresh for customers, offering attractive products and the best possible customer service.
Nominated for Best Personal Loan Provider
‘We’ve been nominated for Best Personal Loan Provider in the British Bank Awards 2023. If you love our service, please vote for us. You could also be in with the chance of winning £1,000*’
*T&Cs apply. Prize draw managed by Smart Money People.
Simple personal loans tailored to you
Whether you’re looking for a personal loan to tidy up your finances, buy a car or carry out some home improvements, we believe that you deserve a price that is carefully personalised for you.
Get a personalised rate today with no obligation to apply and no impact on your credit score.
Loans are subject to status and affordability, the rate and fee you pay will depend on your credit profile. Before borrowing any money, it’s important to make sure you choose the right product for your needs.
Dedicated UK customer service team
We know it’s important you can speak to us when you need to. Our friendly UK customer service team are on hand to make sure you only get the best experience with RateSetter.
RateSetter news
What is an APR?
If you have ever considered taking out a credit card or personal loan, you will have no doubt come across the term “APR”. It is important to understand what an APR means before you apply for credit, as it allows you to make a more informed decisio...
Buying a car with a personal loan
A personal loan is one of the most common ways to purchase a new vehicle. It can be one of the cheapest ways to buy a car and when it is used to buy a car it is typically referred to as a personal car loan. What is a personal car loan? A persona...
Types of car finance explained
Buying a new or used car is one of the biggest purchases people make. Unless you are buying a car outright with cash, it is likely you are looking to purchase your next vehicle with car finance. With there being many ways to finance a car, it is...
How does debt consolidation affect my credit score?
A debt consolidation loan can be a good way to make managing your money easier by rolling your existing borrowing into one simple monthly payment. Ideally, a debt consolidation loan gives you a lower rate of interest resulting in lower monthly...
Personal loans vs credit cards
Personal loans and credit cards are two of the most common forms of borrowing in the UK. Here we look at both options and explain the differences between them. What is the difference between a personal loan and a credit card? With personal loans...
RateSetter announces that Metro Bank is purchasing the loan portfolio
Today we are announcing that Metro Bank is purchasing the RateSetter loan portfolio in line with Metro Bank’s strategic objective to grow in consumer loans. Metro Bank has been funding all new consumer lending following its acquisition of...