A fast and simple personal loan

Get your instant online personal quote with no impact to your credit score.

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Why borrow with RateSetter?

  • Borrow from £1,000 up to £25,000
  • Loan terms between 1 and 5 years
  • Rates from 3.9% APR

 

Five quick checks

  • You are 21 or over
  • You hold a UK bank or building society account
  • You have been a UK resident for a minimum of 3 years
  • You have a regular source of income
  • You have a good credit history

Get a quote

A quote with RateSetter won’t affect your credit score.
No photo ID or bank statements required to apply for a quote.


Representative Example: 11.4% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 5 years at an interest rate of 8.5% p.a. (fixed). Monthly repayment £216.65. Total amount payable £12,998.95, which includes a fee of £550.

Loans are subject to status and affordability, the rate and fee you pay will depend on your credit profile.

 
 

RateSetter working with Metro Bank

As a Metro Bank customer with a RateSetter personal loan, you won’t see it in your Metro Bank app or online banking. Your loan will be managed by RateSetter and if you need any help, our customer service team is your go-to.
 
This page will tell you everything you need to know about the loans we offer, how it works, and how to get started with your quote.

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A loan tailored to you

Whether you are looking for a personal loan to tidy up your finances, buy a car or carry out some home improvements, we believe that you deserve a price that is carefully personalised for you.

  • If approved, you'll get the money the next working day.
  • Manage your loan online, 24 hours a day.
  • Change your payment date to one that suits you.
  • Top-up or get a new loan after just six months*.
  • Make extra payments or settle your loan early with no hidden fees.

*subject to certain terms and conditions

 
 

Everything you need to know about applying

Personalised quote

Application

Decision

Money

Get a personalised rate with no obligation to apply

Apply for a quote in less than 5 minutes

We will give you a response immediately or within 24 hours

If approved, the money will be in your account the next working day

Personalised quote

Application

Get a personalised rate with no obligation to apply

Apply for a quote in less than 5 minutes

Decision

Money

We will give you a response immediately or within 24 hours

If approved, the money will be in your account the next working day

 
 

How a RateSetter personal loan can help you

Debt consolidation

Combine existing debts, like credit cards, store credit and other loans, for easier management with one monthly payment at a rate that suits you.

Car purchase

Purchase your next car quickly and easily with no mileage limits and no deposits or balloon payments.

Home improvement

Add value to your home by using a personal loan to easily fund your next home improvement project and pay it back over up to 5 years.

Personal loan FAQs

No, your RateSetter loan will not be visible within your Metro Bank app or online banking. But you will be able to manage your RateSetter loan using our online account, which you will set up if your quote is approved.

RateSetter has the option to select debt consolidation as a loan purpose when applying for a loan.

RateSetter will be responsible for managing and servicing your loan. You will be able to self-serve your request by logging onto the RateSetter platform.

Need help?

Our Customer Services team will be happy to help:

Call us on: 020 3142 6226 (Monday - Friday: 8:00am - 6:00pm)

Email us at: [email protected]

RateSetter is a member of the Finance & Leasing Association (FLA). The FLA lending code can be found at here.