The quill was perfect.
Until someone invented the pen.
Investing and borrowing
rewritten for everyone.
FCA authorised and regulated
Over 84,000 investors
Operating since 2010
Over £3.6 billion invested to date
Investing rewritten
RateSetter is a peer-to-peer investment platform that connects people who have money to invest with those who want to borrow it.
The Provision Fund we offer does not give you a right to a payment so you may not receive a pay-out even if you suffer loss. The Fund has absolute discretion as to the amount that may be paid, including making no payment at all. Therefore, investors should not rely on possible pay-outs from the Provision Fund when considering whether or how much to invest. Learn more
Invest
Earn interest every day
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Invest tax-free in our Innovative Finance ISA
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Withdraw your money easily
Borrow
Get a loan at competitive rates
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With flexible repayment terms
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Fast response with no impact on your credit score
Peer-to-peer means better value for everyone
Ever wondered how your bank makes money? By lending your money. 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. 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).
RateSetter news
Happy second birthday!
Back in February 2018 we launched the RateSetter Innovative Finance ISA. Since then, the RateSetter ISA has become the UK’s most popular Innovative Finance ISA. The Innovative Finance ISA is the newest category of ISA, and sits between the...
Recommended reading: independent review of investing with RateSetter
RateSetter regularly gets positive reviews and is often covered in the national and financial media, but a recent review by 4 th Way caught my eye. This independent review, by the world's first research agency for P2P lending, is particularly wel...
A milestone for peer-to-peer investing.
The end of the year may be approaching, but today marks the start of a new era for peer-to-peer investing. RateSetter launched a decade ago, giving people the opportunity to earn more on their money. Since then, RateSetter has built an unrivalled...
RateSetter Christmas opening hours
Our Customer Services team will be available throughout the Christmas period. Our opening times will be as follows: We wish all our customers a very happy Christmas!
Welcome to Access, Plus and Max!
I am delighted to say that our three new investment products – Access, Plus and Max – launched today and are ready for you to enjoy. Here’s a quick reminder of what our new products bring: Liquidity: We know that access to your money is important...
LendIt Fintech Europe 2019: “There’s plenty of opportunity”
Last week the European fintech sector gathered in north London for LendIt Europe 2019. A highlight of the event was a discussion of what next year is likely to hold for the peer-to-peer sector, in which our CEO, Rhydian Lewis, shared his thoughts...
