The world
has moved 
on. Time
your money
did too.

Earn

5.8%

with our 5 Year market.

Invest today

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

FCA authorised and regulated

600,000 investors and borrowers

Operating since 2010

£3.2 billion invested to date

FCA authorised and regulated

600,000 investors and borrowers

Operating since 2010

£3.2 billion invested to date

The UK’s most popular peer-to-peer platform

You may be new to RateSetter, but investing in loans is not new. That's how banks earn, by lending your money. What’s new is that you can invest in the same way and earn interest every month.

Smart
investors

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

Households
and businesses

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

 

Peer-to-peer investing is becoming increasingly popular as it can provide returns that are higher than savings and more stable than stocks and shares.

Why investors choose RateSetter

 Great returns

Earn interest every month, with returns that are higher than savings and more stable than stocks and shares. Learn more

  Stability

As with all investments, scale and diversification is important. At RateSetter, your investment is matched with individual borrowers but the stability of your returns is based on the performance of the entire £850 million portfolio, even if you are simply trying us out for £10.  Learn more

 Track record

100% track record of £3 billion invested over 8 years, ensuring that every investor has made a positive return on their money. This is made possible with our Provision Fund.  Learn more

  Early access 

As an investor you would naturally get access to your money in line with borrower repayments. If you need access to your money sooner, you may like to know that on average investors have released their investment within 24 hours. Learn more

Everyday

Our most popular account, where the average investment has grown to £15,000 but you can start with as little as £10.

ISA

The same great rates as your Everyday account, but tax-free. You can even transfer your existing Cash or Stocks and Shares ISAs to RateSetter.

SIPP

You can also enjoy tax benefits by investing through a Self-Invested Personal Pension

 

The important stuff

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.

FCA regulated

We are regulated and authorised by the Financial Conduct Authority.

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.

£100 bonus for new investors.

Getting started

Register and verify your account

Deposit funds via debit card or bank transfer

Invest your chosen amount in your preferred market