FCA authorised and regulated
600,000 investors and borrowers
Operating since 2010
£3.0 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 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.
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
Managing supply and demand
RateSetter aims to be the destination of choice for people looking to earn more on their money - offering more earning potential than cash without the volatility of shares. In eight years we have come a long way: you, together with 70,000 other...
RateSetter passes £3 billion lending landmark
RateSetter investors have now supplied more than £3 billion in loans to people and businesses across the UK and in doing so have earned over £120 million in interest to date. Well over 600,000 customers have used RateSetter to invest or borrow – a...
Managing supply and demand: further details
Our blog on 3 January 2019 outlined plans for the Rolling market to fund two types of loans: Loans that repay your money, plus interest, in monthly instalments (existing functionality) Loans that repay your money, plus interest, at the end of th...
A more predictable Market Rate
At RateSetter, the rates in our markets are continuously updating based on investor supply and borrower demand. A particularly attractive feature of investing with RateSetter is the track record of stable and steady average returns over time. This...
Fantastic first year for the RateSetter ISA!
One year since we launched the RateSetter ISA, allowing investments to be included in a tax-free wrapper for the first time, we want to take this opportunity to thank all our investors for choosing to invest with us. 1 in 4 RateSetter customers...
RateSetter outperformed shares in 2018
At RateSetter, the rates in our markets are continuously updating based on investor supply and borrower demand. A particularly attractive feature of investing with RateSetter is the track record of stable and steady average returns over time. This...
