UK's most popular P2P platform.
- Earn better returns through peer-to-peer lending
- Invest in loans to creditworthy households and businesses
Rated 4.9/5 on Smart Money People
Award-winning loan provider
Dedicated UK customer service team
FCA authorised and regulated
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
3.5%
Annualised rate
Release fee: 30 days' interest
Max
4.0%
Annualised rate
Release fee: 90 days' 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.
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.
Provision Fund Protection
You’re protected by the RateSetter Provision Fund, our buffer against poorly performing loans.
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