Why choose peer to peer?

Investing in loans is not new 

Banks have always made money by taking deposits from customers and lending that money to borrowers. Banks choose to lend because loans produce strong returns and are considered be one of the most stable types of investment (often called an "asset class").
The asset class of loans has a track record of being more stable than stocks and shares and other popular investments.

RateSetter loans are uncorrelated with other asset classes


Of course, if you were to invest in a single loan your investment may not turn out to be very stable. Sometimes borrowers miss a payment – it happens.

That's where scale is important. Banks lend to thousands, even millions of people, and this scale helps them to achieve an investment performance that is based on the portfolio average.

Our loan portfolio

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.

The portfolio itself benefits from the stability of being diversified to include loans to individuals, businesses and property developers. [Note: RateSetter’s portfolio includes loans to other specialist lending businesses – this is now discontinued as a source of new lending.]  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

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

Getting started

Register and verify your account

Deposit funds via debit cards or bank transfer

Invest your chosen amount in your preferred market