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

Earn

5.0%

with our Max product.

Invest today

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

FCA authorised and regulated

650,000 investors and borrowers

Over £3.5 billion invested since 2010

£0 capital and interest lost

FCA authorised and regulated

650,000 investors and borrowers

Over £3.5 billion invested since 2010

£0 capital and interest lost

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.

£100 bonus for new investors.

 

 

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

100% track record 

Since launching in 2010, over £3.5bn has been invested with RateSetter and every investor has earned exactly what they expected. This is made possible by our Provision Fund.  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

 

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.

Getting started

Register and verify your account

Deposit funds via debit card or bank transfer

Invest in any of our products