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Company profile


About RateSetter

RateSetter is a peer to peer UK lender that has been operating since 2009. They offer customers the ability to apply for personal loans from £500 to £35,000. Their rates start from 3.9% APR Representative and they have personal loan repayment terms from 12 months to 60 months.

Applying for a RateSetter loan

You can get a quote easily online without affecting your credit score. RateSetter will perform a soft search on all loan applications to help them understand your creditworthiness and your ability to repay the loan. If you are approved and decide to take a loan with them, they will go on to perform a full credit search.

Once your loan application is received, they aim to give you a lending decision within 24hrs and if you are approved, the money will be in your account within another 24 hours.

Eligibility criteria

  • You are 21 years old or over
  • You are a UK resident for a minimum of 3 years
  • You have a regular income source
  • You have a valid UK Bank or building society account for your direct debit
  • You have a good credit history

Try moneymatcher today

Many borrows choose RateSetter for their low APR rates but they may charge you fees for taking out a loan with them. These would more than likely be an administration fee and a credit rate fee. There is nothing to pay upfront as fees would be absorbed into the duration of the personal loan.

You can also pay your RateSetter loan off early without penalty as well as making additional payments or by increasing your monthly repayment. All of these functions can be managed directly through an online account, giving you full control of your loan

Contact information

6th Floor 55 Bishopsgate, London, England, EC2N 3AS Google map
Registration no:

FCA registration

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Trading names
Retail Money Market Ltd
Place of business
6th Floor 55 Bishopsgate, London, England, EC2N 3AS Google map

Data protection registration

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Data controller
Retail Money Market Ltd
6th Floor 55 Bishopsgate, London, England, EC2N 3AS Google map

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