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.
Capital at risk. No FSCS protection. Instant access not guaranteed.
Better returns statement based on 3 month average for 5 Year Market of 5.0% at 2nd July 2018 versus a 1.24% Interest rate of UK monetary financial institutions sterling two year fixed rate cash ISA. Source: Bank of England 31st May 2018.
Current rates
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Rolling Market
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Capital reinvested so you earn continuously.
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Interest paid every month or can be reinvested.
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Access your money at any time without a fee. Rolling Market Fair Usage policy applies.
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1 Year Market
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Capital and Interest repaid at term (normally 1 Year).
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Capital and Interest can be reinvested so you earn continuously.
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To access your money early a 0.3% fee will be charged.
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5 Year Market
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Capital and Interest repaid monthly.
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Capital and Interest can be reinvested so you earn continuously.
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To access your money early a 1.5% fee will be charged.
How we look after your money
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
