Since 4 May 2020 investors have only been receiving 50% of interest, with the other 50% going to the Provision Fund, for the protection of all investors. This will be the case until further notice and reviewed every quarter. Also, the time it is taking investors to access their funds is taking longer than usual.

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

FCA authorised and regulated

Over 84,000 investors

Operating since 2010

Over £3.6 billion invested to date

Invest

Earn interest every day

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Invest tax-free in our Innovative Finance ISA

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Make regular direct debit contributions using our Auto Invest feature

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.

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