Borrow through RateSetter.

  • With our flexible terms you can borrow from £3,000 to £25,000 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: 14.4% APR Representative (fixed). Based on an assumed loan amount of £3,000 over 3 years at an interest rate of 9.2% p.a. (fixed). Monthly repayment £101.85. Total amount payable £3,666.51, which includes a fee of £195.

Coronavirus and our
call centre

We are currently experiencing a high call volume at our call centre. Please help us to protect our services for our vulnerable customers and those who are most in need. Unless your call is urgent, please email us at [email protected]. We apologise for any inconvenience during this difficult period.

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

 

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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.  Learn more

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Dealer Finance

 

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

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