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

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).

 Read more 

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