Invest through the RateSetter IF ISA tax-free ‘wrapper’.
Invest in a portfolio of loans to households and businesses.
A buffer against poorly performing loans with a 100% track record.
Start earning today
Earn returns of 6.0%* 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.
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.
*6.0% annualised rate is the 30 day average on the 5 Year market on the 01/02/2019.
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 £3 billion has been invested with every investor receiving back every penny of their capital and interest.
Capital reinvested so you earn continuously.
Access your money at any time without a fee. Rolling Market Fair Usage policy applies.
Capital and Interest repaid at term (normally 1 Year).
To access your money early a 0.3% fee will be charged.
Capital and Interest repaid monthly.
To access your money early a 1.5% fee will be charged.