RateSetter Peer To Peer Lender | P2P Investing and Borrowing

New investor offer: £100 bonus when you invest £1,000+. Terms apply.

 

Your Money Could Do Better,

Invest It With RateSetter.

Access better returns through peer-to-peer lending.

Easy - you simply choose how much to invest from £10 and the level of access you require.

Balanced – a diversified portfolio of loans.

Provision Fund protection - a buffer against poorly performing loans.

 Learn more

Capital at risk. No FSCS protection. Instant access not guaranteed. 

*Better returns statement based on 3 month average for 5 Year Market of 5.4% at 1st August 2018 versus a 1.26% Interest rate of UK monetary financial institutions sterling two year fixed rate cash ISA. Source: Bank of England 30th June 2018.

Current rates

Investing with us

The Everyday Account

 

  • Earn returns of up to 5.4%* by investing in a balanced portfolio of loans to individuals and businesses.

  • The Provision Fund provides a buffer against any poorly performing loans. Its 100% track record is market leading but doesn’t provide a guarantee.

  • 3 levels of access so you can choose the best fit for your needs and goals.

  • Your money can be put to work and earning within minutes.

The RateSetter IF ISA

 

  • All the benefits of the Everyday Account.

  • Returns are tax-free.

  • Transfer in ISAs from other providers to increase your returns.

  • Flexibility to withdraw and replace funds in the same tax year without affecting your ISA allowance.

How we look after your money

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The key risk to our investors is increased borrower default rates. We seek to mitigate this risk through:

Underwriting excellence: Robust and thorough credit checks on all borrowers. We take a careful approach to lending and only lend to creditworthy borrowers.

Portfolio management: Lending is diversified across different borrower types and sectors.

The Provision Fund: Provides a buffer against poorly performing loans. The Provision Fund has a 100% track record, with every RateSetter investor receiving back every penny they expected, but this does not provide a guarantee.

It's easy to put your money to work

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