Data on annual performance of loans and returns, updated automatically in real time.
|Percentage repaid excluding bad debts||100.00%||99.35%||93.77%||86.14%||72.31%||31.85%||1.57%|
|Expected lifetime bad debt rate ||1.40%||1.40%||1.54%||2.43%||3.02%||3.43%||0.00%|
|Latest projected lifetime bad debt rate ||0.59%||0.92%||1.93%||4.03%||3.86%||3.52%||0.00%|
|Actual lifetime bad debt rate to date ||0.58%||0.89%||1.74%||3.41%||2.75%||0.90%||0.00%|
|Actual arrears ||0.00%||0.00%||0.00%||0.02%||0.06%||0.02%||0.00%|
|Provision Fund usage ||31.77%||55.11%||77.68%||91.09%||74.96%||25.05%||0.00%|
|Estimated annual return at the point loans were written ||6.13%||5.38%||4.60%||4.50%||4.80%||4.24%||3.42%|
|Actual annual return to date after fees and bad debt ||6.13%||5.38%||4.60%||4.50%||4.80%||4.24%||3.42%|
|Actual annual return to date after fees and bad debt compensation ||6.13%||5.38%||4.60%||4.50%||4.80%||4.24%||3.42%|
 This figure is a measure of the expected level of losses on loans written during a calendar year. It takes account of losses over the lifetime of those loans even if they occur after the year the loans were written. It is calculated at the point that new loans are written and updated throughout the calendar year. At the end of that calendar year, the figure is locked down.
 This figure is a measure of the expected losses on loans written during a calendar year, based on the latest available data. This figure is updated on an ongoing basis taking account of bad debts experienced to date, plus an updated bad debt forecast for loans that are still active. As time passes and the loans mature, the figure becomes more accurate.
 The current level of recorded bad debt for loans written each year.
 Percentage of the amount lent that year which is 45 days or more behind schedule in repaying.
 The percentage of Provision Fund contributions in a calendar year which have been used to compensate for bad debt on loans written in that same year. Takes account of current and future expected contributions into the Provision Fund for each year.
 RateSetter’s Provision Fund model results in all three return metrics being the same to date. The returns shown are calculated based on a weighted average of investor interest rates achieved in each calendar year across all investment terms.