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.
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.