UK's most popular P2P platform.

  • Earn better returns through peer to peer lending 
  • Invest in a portfolio of loans to creditworthy households and businesses
  • You’re protected by the RateSetter Provision Fund, our buffer against poorly performing loans, with a 100% track record since 2010
Simon Liau

 has sent you a £100 bonus

To claim your bonus, invest £1,000 into any of our products

Invest today

Terms apply.

FCA authorised and regulated

700,000 investors and borrowers

Operating since 2010

Over £3.5 billion invested to date

FCA authorised and regulated

700,000 investors and borrowers

Operating since 2010

Over £3.5 billion invested to date

Better value for you and your friends

You may be new to RateSetter, but investing in loans is not new. That's how banks earn, by lending your money. What’s new is that you can invest in the same way and earn interest every month.

Smart
investors

You can earn more by investing into a portfolio of loans to creditworthy households and businesses.

Households
and businesses

Get a loan at competitive rates, with a simple application that protects your credit score. 

 

Peer-to-peer investing is becoming increasingly popular as it can provide returns that are higher than savings and more stable than stocks and shares.

Access

3.0%

Annualised rate

 

No fee to release your investment

Plus

4.0%

Annualised rate

 

Release fee: 30 days of interest

Max

5.0%

Annualised rate

 

Release fee: 90 days of interest

Reasons to join RateSetter

 Great returns

Earn interest every month, with returns that are higher than savings and more stable than stocks and shares.

 Learn more

  Stability

As with all investments, scale and diversification is important. At RateSetter, your investment is matched with individual borrowers but the stability of your returns is based on the performance of the entire £850 million portfolio, even if you are simply trying us out for £10. 

 Learn more

 Track record

100% track record of £3 billion invested over 8 years, ensuring that every investor has made a positive return on their money. This is made possible with our Provision Fund. 

 Learn more

  Early access 

As an investor you would naturally get access to your money in line with borrower repayments. If you need access to your money sooner, you may like to know that on average investors have released their investment within 24 hours.

Learn more

Getting started

Register and verify your account

Deposit funds via debit card or bank transfer

Invest in any of our products