FCA authorised and regulated

600,000 investors and borrowers

Operating since 2010

£3.0 billion invested to date

FCA authorised and regulated

600,000 investors and borrowers

Operating since 2010

£3.0 billion invested to date

Up to £150 welcome bonus.

Terms apply

Why investors choose RateSetter

Great returns

Earn interest every month – with returns that are higher than most savings accounts. And more stable than stocks and shares.  Learn more.


As with all investments, scale and diversification is important. At RateSetter, although your investment is matched with individual borrowers, you benefit from the stability of the £850 million loan portfolio.  Learn more.

100% track record

So far, our investors have got every penny back of capital and expected interest. It’s all thanks to our Provision Fund which acts as protection against missed borrower payments.  Learn more.

Early access available

We know plans can change. That’s why our investors can normally release their money in 24 hours.  Learn more.

Rolling market


Annualised rate

Interest paid monthly


No fee to access your money

1 Year market


Annualised rate

Interest paid at end of term


0.3% fee to access your money early

5 Year market


Annualised rate

Interest paid monthly


1.5% fee to access your money early

Better value for everyone

We believe, it’s your money so it makes sense that you get the best value from it. By connecting people who have money to invest with those who want to borrow it, everyone gets a better deal. It’s as simple as that.



You can earn more by investing into a portfolio of loans to creditworthy households and businesses.

Households and businesses


Get a flexible loan at competitive rates, with a simple application that protects your credit score.


Protecting our customers makes sense

We are committed to being the UK’s safest and most liquid peer-to-peer platform because we never forget that we’re looking after your money. Since 2010, every investor has received every penny that they expected. This is thanks to our Provision Fund that enables individual investments to benefit from the stability of whole portfolio.


What are the risks?

Capital at risk

As with any investment, your capital is at risk and the value of your investment may go up or down in value.

No FSCS protection

We can’t guarantee against future losses and we’re not part of the Financial Services Compensation Scheme.

And finally...

Our results to date are pretty awesome but we have to remind you that past performance is not an indicator of future results.

Step out of the dark ages.

Invest tax-free with our IF ISA.

Open your ISA

Protecting your investment

The RateSetter Provision Fund

Investments with RateSetter are protected by the Provision Fund which provides a buffer against poorly-performing loans. The Provision Fund reimburses investors if a borrower misses a payment. All borrowers pay a contribution to the provision fund, determined by their credit worthiness. A greater risk requires a higher contribution. If a borrower defaults, the Provision Fund takes over the loan, repaying any outstanding capital to RateSetter investors. While the Provision Fund has a 100% track record, it does not provide a guarantee.  Learn more.

Customer testimonials

Customer testimonials

Getting started

Register and verify your account

Deposit funds via debit card or bank transfer

Invest your chosen amount in your preferred market