Get better returns, everyday.

  • Earn better returns through peer-to-peer lending 
  • Set up a direct debit into your product of choice using Auto-Invest. A smart, easy and efficient way to invest
  • Get £20 on us. Terms apply

FCA authorised and regulated

Over 84,000 investors

Over £3.6 billion invested since 2010

Over £148 million interest earned to date​

FCA authorised and regulated

Over 84,000 investors

Over £3.6 billion invested since 2010

Over £148 million interest earned to date​


The Provision Fund we offer does not give you a right to a payment so you may not receive a pay-out even if you suffer loss. The Fund has absolute discretion as to the amount that may be paid, including making no payment at all. Therefore, investors should not rely on possible pay-outs from the Provision Fund when considering whether or how much to invest.  Learn more


Why investors choose RateSetter

Great returns, more stability 

At RateSetter you earn can interest every month – with returns that are higher than most savings accounts and more stable than stocks and shares.   Learn more

Stay protected

You’re protected by the RateSetter Provision Fund, our buffer against poorly performing loans, which has a 100% track record since 2010.  Learn more

Easy to withdraw

We make withdrawing easy. Of course, instant access is not guaranteed but to date investors have released their investment within 24 hours on average.  Learn more




Annualised rate


No fee to release your investment



Annualised rate


Release fee: 30 days of interest



Annualised rate


Release fee: 90 days of interest

Better value for everyone

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 in loans to creditworthy households and businesses.

and businesses

Get a flexible loan at competitive rates, with a simple application that does not affect your credit score.




Step out of the dark ages.

Invest tax-free with our IF ISA.

Explore our ISA


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.

Become a RateSetter

Register and verify your account

Deposit funds via debit card or bank transfer

Invest in any of our products