Investing and borrowing
re-written.

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

FCA authorised and regulated

600,000 investors and borrowers

Operating since 2010

£3.2 billion invested to date

FCA authorised and regulated

600,000 investors and borrowers

Operating since 2010

£3.2 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.

£100 bonus for new investors.

Why investors

choose us

1. Better returns

Peer-to-peer investing is fast becoming popular. While you earn interest every month, it can provide returns that are higher than savings and more stable than stocks and shares.

2. 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.

3. Protection from our Provision fund

We have a 100% track record with £3 billion lent over 8 years, ensuring that every investor has made a positive return on their money. This is made possible with 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. 

4. 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 our customers have released their investment within 24 hours.

Rolling market

3.9%

Annualised rate

Interest paid monthly

+

No fee to access your money

1 Year market

3.6%

Annualised rate

Interest paid at end of term

+

0.3% fee to access your money early

5 Year market

5.8%

Annualised rate

Interest paid monthly

+

1.5% fee to access your money early

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 your chosen amount in your preferred market