Borrow through RateSetter.

  • With our flexible terms you can borrow from £3,000 to £35,000 over 1 to 5 years
  • Quick quote response in 1 minute
  • Protect your credit score with a soft search

Low rate personal loans from

3.9%

Get a quote

For £5,000 loans over 1 year. Get your free quote now.

Representative example: 3.9% APR Representative (fixed). Based on an assumed loan amount of £5,000 over 1 year at an interest rate of 3.9% p.a. (fixed). Monthly repayment £432.92. Total amount payable £5,195.

Everything you need to know about applying

Quote

Application

Decision

Money

Get a quote with no obligation and without affecting your credit score

The application takes no longer than 5 minutes for an indicative quote

We will give you a response immediately or within 24 hours

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

Quote

Application

Get a quote with no obligation and without affecting your credit score

The application takes no longer than 5 minutes for an indicative quote

Decision

Money

We will give you a response immediately or within 24 hours

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

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

Our other loan types

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

Property Finance

If you are a professional property developer and require finance for a project, RateSetter Property Finance has quick decisions and zero advance completion fees. See if we can help, with loans from £500k to £10m.

Dealer Finance

Dealer Finance offers loans of £25,000 to £500,000 to help car dealers increase their stock and grow their business.

Family Finance

Apply for a loan of up to £500,000 to fund the legal costs of divorce. Loans are 14.9%.