A fast and simple personal loan

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

Loans are subject to status and affordability. Terms apply.

Flexible loans tailored to you

  • Borrow from £1,000 up to £35,000.
  • Loan terms between 1 and 5 years.
  • Rates from 3.9% APR.

You're eligible if...

  • you are 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 paid monthly, for example through wages or a pension, of over £16,000 a year.
  • you have a good credit history, with no County Court judgements, bankruptcies or debt relief orders on your credit file.

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 £638. The majority of our customers receive the advertised APR or lower. The maximum APR you could be offered is 29.9%.

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

The loan fee allows us to cover our costs. The loan fee is non-refundable if you settle your agreement early. The only time this is not chargeable is if you withdraw from your credit agreement within 14 days.

 

Borrow with confidence

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 early repayment fees.

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

Got a question? We're here to help

Call us on 0203 142 6226* or email us at [email protected].

Before borrowing any money, it’s important to make sure you choose the right product for your needs. Please consider whether you can afford to make the repayments now or in the future. If you’re worried about debt, you might find it useful to visit The Money Advice Service, which has further information about debt management and offers free debt advice.

*You may be charged for your call, depending on whether you use a landline or mobile, and the tariff charged by your provider.

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. 

Find out more

 

Car purchase

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

Find out more

 

Home improvement

Add value to your home by using a personal loan to easily fund your next home improvement project.

Get a quote