New investor offer: £100 bonus when you invest £1,000+. Terms apply.

Make your money work harder

Tax-free earning

Invest through the RateSetter IF ISA tax-free ‘wrapper’.

Put your money to work 

Invest in a portfolio of loans to households and businesses.

Provision Fund protection 

A buffer against poorly performing loans with a 100% track record.

Start earning today

1 Year market

Total lending to date £2,941,819,369

Total interest returned to investors £118m

FCA regulated

Capital at risk. No FSCS protection. Instant access not guaranteed. Past performance is not an indicator of future results.

Investing with us

Everyday Account

  • Earn returns of 5.8%* by investing in a balanced portfolio of loans to individuals and businesses.

  • The Provision Fund provides a buffer against any poorly performing loans. Its 100% track record is market leading but doesn’t provide a guarantee.

  • 3 levels of access so you can choose the best fit for your needs and goals.

  • Your money can be put to work and earning within minutes.

RateSetter IF ISA

  • All the benefits of the Everyday Account.

  • Returns are tax-free.

  • Transfer in ISAs from other providers to increase your returns.

  • Flexibility to withdraw and replace funds in the same tax year without affecting your ISA allowance.

*5.8% annualised rate is the 30 day average on the 5 Year market on the 03/12/2018.

Better returns statement based on the current available highest paying Cash ISA rate on being 2.26% as of ​03/​12/​2018 versus RateSetter's 5 year market 30 day average of 5.8%.

How RateSetter works

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Exceptional track record

Sometimes borrowers miss a payment – it happens. We set up the Provision Fund as a buffer to reimburse investors, and whilst this is not a guarantee the Provision Fund has a 100% track record. To date £2.9 billion has been invested with every investor receiving back every penny of their capital and interest.

Choose one of our three markets

Its easy to put your money to work