People with money to invest want a great return. Households and businesses want attractive loans. We match them up and help them share in the value of their exchange.
Earn from
3.0%
Capital at risk. Instant access not guaranteed.
Latest Rolling Market rate, pre tax, assumes reinvestment and no early repayment.
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No fee and you can set your rate. RateSetter is a marketplace where the rates are set by investors and borrowers. It just seems fairer that way.
Getting started is easy and your money could be earning sooner with RateSetter than with any other peer-to-peer platform.
We have won dozens of top awards such as from the FT and Investors Chronicle. With 98% satisfaction score, our customers agree.
RateSetters have lent £1,996,354,517 and every individual investor has received the return they expected. Despite this impressive track record, past performance is not a guarantee.
Decide how much you want to invest. The average investor has built up over £20,000, but you can invest as much or as little as you like.
Decide how long you want to lend for, choose from 1 month to 5 years.
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 £35,000. 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 £2m 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 £7.5m.
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.