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RateSetter: Loans reviews

Name: Loans
Rating: 4.92 (14024 reviews)

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4.92

Based on 14,024 reviews, last reviewed 1st Sep 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Excellent customer service from the staff no problem... Excellent customer service from the staff no problems with the company ***** very polite and understanding Reviewed on: 1st September 2025

Latest lowest rating:

2

Not so helpful After a breach of data protection on there part they are very unhelpful and unwilling to provide the information Im entitled to Reviewed on: 26th July 2023

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About this product

RateSetter are no longer accepting loan applications since being acquired by Metro Bank in 2020.

Existing loan customers can still manage their loan via the online portal.

RateSetter loan reviews help you find out what it’s really like to be a customer. If you’ve used RateSetter before, you can also leave a review and share your experience.

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RateSetter Loans reviews (14024)

Best loan provider out there!

I have used twice for different vehicle purchases, each time, the easiest, quickest and best interest rate provider I have seen. Reviewed on: 11th June 2020

A very fast competitive loan

Everything about my application was perfect the speed it was set up was very impressive and the interest rate was applaudable the next time I need a loan these are the guys for me thank you Reviewed on: 11th June 2020

Easy and fast!

Easy and fast service with a fantastic interest rate, would definitely use again! Reviewed on: 11th June 2020

Fast, easy and convenient

Very satisfied and estreifoward Reviewed on: 11th June 2020

Smooth seamless transaction

Excellent company seamless service from start to finish and would highly recommend Reviewed on: 11th June 2020

Best interest rate I could find

I’ve had two very positive experiences with Ratesetter. I needed a loan for maternity leave and later for buying a vehicle and this was a better option than getting a credit card due to a lower interest rate. I was also able to pay off my car loan in a lump sum once I was able and that flexibility is another great feature. We are hoping to start a small holiday let business soon and I think I’ll be back for another loan for a hot tub! Thanks Ratesetter Reviewed on: 11th June 2020

Easy and friendly service

Easy to use the website when applying for a loan, friendly staff whenever I have spoke over the telephone. Would recommend to friends Reviewed on: 11th June 2020

Cash into my bank within hours

I have used ratesetter a couple of times and both times the cash was in my bank within hours. The interest rates were low copmared to many others and there was a short application process which made it a lot easier. I would 100% recommend ratesetter to anyone. Reviewed on: 11th June 2020

Simple, just how a loan should be

I chose ratesetter due to the lowest apr as anybody would do, been with them almost 2 years now. Ive made up all the payments each month and they kept up their end of the deal too. Highly recommended and likely to use again Reviewed on: 11th June 2020

Excellent

Was very quick to fill the form in, was approved in hours and the money was in my account the next day. Very efficient, easy to use your account and if I have any questions they reply within a few days. Reviewed on: 11th June 2020

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