Your capital is at risk. RateSetter is not part of the FSCS. Rates are annualised over the specified term and returns are before tax.
With our 3 and 5 year products repayments are automatically reinvested for you into new contracts to keep your money earning. Rates may vary as RateSetter is a marketplace.
We think UK investors should get more and borrowers pay less, by cutting out the costs and inefficiencies of traditional banking. Creditworthy borrowers who want low cost loans are quickly matched with smart investors looking for better returns.
Put simply investors get more. Borrowers pay less.
You can register in just 2 minutes
You can start off with as little as £10
You can deposit via a free, instant debit card transfer
Confirm how long you would like to earn and at what rate
On launch in 2010, we set out to ensure not one single solitary investor lost even so much as a penny investing through RateSetter. £822,895,209 later, we're proud to say none of our 26,540 investors have. That's thanks to our Provision Fund which has a 100% track record of protecting investors from defaults.
Your money isn't protected under the Financial Services Compensation Scheme (FSCS). Whilst past performance does not guarantee future success, we're proud that to date nobody has lost a penny.
RateSetter lends to both Personal and Commercial borrowers who are borrowing for a variety of reasons. They could be borrowing to purchase a new car, make a home improvement or grow their business.
Whatever the purpose for the loan, Personal and Commercial borrowers who are accepted are creditworthy and have been rigorously assessed by our specialist Credit Underwriting Teams against stringent criteria.
It's worth adding that the Provision Fund covers all borrower and loan types.
"There’s simply no reason for anyone not to invest with RateSetter, especially now that the personal savings allowance means that the first £1,000 of interest each year is tax free."
"Ratesetter is an awesome product, I love the fact that you can invest the money for a month at a time. I'm planning to ramp up my usage of RateSetter and start to use it as part of my retirement fund."
"The website is easy to use and your money is lent out quickly"
Giving you control of your money.
Hopefully you'll find answers to your questions in our FAQ section.
Still need help? That's fine. Just call us on 0203 142 6226 or email email@example.com
Here's where you can view, select and compare previously matched market rates on RateSetter. Also, check out our default and coverage ratios and see a guide to matched volumes over time.