A fast and simple personal loan
Get your instant online personal quote with no impact to your credit score.
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
A quote with RateSetter won’t affect your credit score.
No photo ID or bank statements required to apply for a quote.
Representative example: 4.9% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 5 years at an interest rate of 2.3% p.a. (fixed). Monthly repayment £187.94. Total amount payable £11,276.40, which includes a fee of £633.
Loans are subject to status and affordability, the rate and fee you pay will depend on your credit profile.
RateSetter is part of Metro Bank, but everything to do with your loan will be managed through us.
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.
- Take out a new loan with us and consolidate your existing RateSetter loan, or apply for an additional loan after just 6 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
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. Read more
Car purchase
Purchase your new car quickly and easily with no mileage limits and no deposits or balloon payments. Read more
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.