Your money helps someone else and that helps you.
Capital at risk. No FSCS protection. Past performance is not an indicator of future results.
Rated 4.9/5 on Smart Money People
Award winning loan provider
Over £3.6 billion invested since 2010
Over £148 million interest earned to date
At RateSetter you can earn interest every month – with returns that are higher than most savings accounts and more stable than stocks and shares. Learn more
You’re protected by the RateSetter Provision Fund, our buffer against poorly performing loans. Learn more
You can request to release your investments at any time. We will process any requests as soon as there are funds on the market to take over your investment. Instant access is not guaranteed. Learn more
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
Access
Annualised rate
No fee to release your investment
The matched rate will be reduced by 50% during the Temporary Interest Reduction period.
E.g. if matched at 3.00% it will be reduced to 1.50%.
Plus
Annualised rate
Release fee: 30 days' interest
The matched rate will be reduced by 50% during the Temporary Interest Reduction period.
E.g. if matched at 3.50% it will be reduced to 1.75%.
Max
Annualised rate
Release fee: 90 days' interest
The matched rate will be reduced by 50% during the Temporary Interest Reduction period.
E.g. if matched at 4.00% it will be reduced to 2.00%.
As with any investment, your capital is at risk and the value of your investment may go up or down in value.
We can’t guarantee against future losses and we’re not part of the Financial Services Compensation Scheme.
Our results to date are pretty awesome but we have to remind you that past performance is not an indicator of future results.