The quill was perfect.
Until someone invented the pen.

Investing and borrowing
rewritten for everyone.

FCA authorised and regulated

Over 82,000 investors

Operating since 2010

Over £3.5 billion invested to date

FCA authorised and regulated

Over 82,000 investors

Operating since 2010

Over £3.5 billion invested to date

The UK's most popular peer-to-peer platform

Peer-to-peer means better value for everyone

We believe it’s your money so it makes sense that you get the best value from it. By connecting people who have money to invest with those who want to borrow it, everyone gets a better deal. It’s as simple as that.

Smart
investors

You can earn more by investing in loans to creditworthy households and businesses.

Households
and businesses

Get a flexible loan at competitive rates, with a simple application that does not affect your credit score.

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

The UK's most popular peer-to-peer platform

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).

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