Investing and borrowing

RateSetter is UK's most popular peer-to-peer platform.

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

How peer to peer investing works

We match investors with borrowers so everyone benefits

Peer to peer (P2P) lending platforms bring together people wanting to invest, with borrowers that are looking for a loan, delivering better value to both. It’s as simple as that.

Investing in loans is nothing new. After all, that's how banks earn, by taking deposits from customers and lending that money to borrowers. Banks are regulated with the objective of keeping deposits safe, but this comes at a price: low returns to customers that often don’t even match inflation.

Investors earn interest every month

Until recently, individuals had not been able to lend directly to borrowers by investing in the loans asset class but now through RateSetter and other peer to peer platforms you can invest in a portfolio of loans and earn interest every month in the same way.

We’re not a bank

Peer to peer lending platforms like RateSetter are optimised to deliver value. We offer the opportunity to put your money to work, by efficiently matching investors with credit-worthy borrowers, allowing investors to directly enjoy the risk and returns. We have an excellent track record of delivering steady, healthy returns to investors since 2010.

Why investors

choose us

1. Great returns, more stability 

At RateSetter you earn can interest every month – with returns that are higher than most savings accounts and more stable than stocks and shares.

2. Protection from our Provision fund

Since launching in 2010, over £3.5bn has been invested with RateSetter and every investor has earned exactly what they expected. This is made possible by our Provision Fund.

Our Provision Fund spreads each investor’s risk across the whole loan book and provides a buffer against poorly performing loans. RateSetter borrowers pay into the Provision Fund (determined by their expected level of risk) and, if a borrower misses a payment, the Fund steps in to reimburse the investors. Find out more about our Provision Fund here.

Whilst we are extremely proud of our record, we always like to be clear that it is not a guarantee for the future. 

3. Easy to withdraw

We make withdrawing easy. Of course, instant access is not guaranteed but to date investors have released their investment within 24 hours on average.



Annualised rate


No fee to release your investment



Annualised rate


Release fee: 30 days of interest



Annualised rate


Release fee: 90 days of interest

Capital at risk. No FSCS protection. Past performance is not an indicator of future results.

We pride ourselves on being good at lending your money

Fast and flexible loans for households and businesses

  • RateSetter offers personal loans at competitive rates, with flexible terms over one to five years. We also provide property, dealer and family financing.
  • RateSetter takes care of assessing loan applicants, matching investments to loans and collecting and returning repayments to investors. You can read more about investing with us here.
  • By investing through RateSetter you are entering into credit agreements as a lender with one or a combination of individuals or businesses as the borrower. We help our investors manage risk by only lending to creditworthy borrowers. Find out more about who we lend to here.

The important stuff


Investments with RateSetter are not covered by the Financial Services Compensation Scheme and as with any investment, your capital is at risk.
We are fully regulated and authorised by the Financial Conduct Authority.

Getting started

Register and verify your account

Deposit funds via debit card or bank transfer

Invest in any of our products