Simple personal loans tailored to you
We provide loans to suit your needs from buying a new car to tidying up your finances.
Rated 4.9/5 on Smart Money People
Award winning loan provider
Dedicated UK customer service team
FCA authorised and regulated
We are RateSetter
More than 750,000 customers have chosen RateSetter for our dedication to delivering market-leading products and services to borrowers and investors.
In 2020, RateSetter became part of Metro Bank, an award-winning bank that is celebrated for its exceptional customer experience. Both RateSetter and Metro Bank are innovative businesses with a shared focus on delivering something fresh for customers, offering attractive products and the best possible customer service.
Loans are subject to status and affordability, the rate and fee you pay will depend on your credit profile.
RateSetter is a member of the Finance & Leasing Association (FLA). The FLA lending code can be found here
RateSetter news
Buying a car with a personal loan
A personal loan is one of the most common ways to purchase a new vehicle. It can be one of the cheapest ways to buy a car and when it is used to buy a car it is typically referred to as a personal car loan. What is a personal car loan? A persona...
Types of car finance explained
Buying a new or used car is one of the biggest purchases people make. Unless you are buying a car outright with cash, it is likely you are looking to purchase your next vehicle with car finance. With there being many ways to finance a car, it is...
How does debt consolidation affect my credit score?
A debt consolidation loan can be a good way to make managing your money easier by rolling your existing borrowing into one simple monthly payment. Ideally, a debt consolidation loan gives you a lower rate of interest resulting in lower monthly...
Personal loans vs credit cards
Personal loans and credit cards are two of the most common forms of borrowing in the UK. Here we look at both options and explain the differences between them. What is the difference between a personal loan and a credit card? With personal loans...
RateSetter announces that Metro Bank is purchasing the loan portfolio
Today we are announcing that Metro Bank is purchasing the RateSetter loan portfolio in line with Metro Bank’s strategic objective to grow in consumer loans. Metro Bank has been funding all new consumer lending following its acquisition of...
What are the benefits of a debt consolidation loan?
Having multiple credit cards or loans can sometimes be challenging to manage. However, options are available to make things simpler and keep you in control of your finances. One of these options is a debt consolidation loan and this can roll you...