The quill was perfect.
Until someone invented the pen.

Investing and borrowing
rewritten for everyone.

FCA authorised and regulated

600,000 investors and borrowers

Operating since 2010

£3.0 billion invested to date

FCA authorised and regulated

600,000 investors and borrowers

Operating since 2010

£3.0 billion invested to date

Up to £150 welcome bonus.

Terms apply

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 protects 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.

Rated "Excellent"

9.3 out of 10

Based on 4 892 reviews

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 

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