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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)

Quick and simple

Used ratesetter to buy my new motorcycle and found them to have the best rate for my credit score. Easy to set up and found the repayments reasonable and manageable. Great overall experience. Reviewed on: 11th June 2020

Great company

Great company money straight in bank with little interest added and small payments back every month. Would without a doubt recommend Reviewed on: 11th June 2020

Amazing company

Very good service. Great experience. Reasonable rates and ability to make extra payments allow you to chip away at outstanding loan balance Reviewed on: 11th June 2020

Incredible service and Staff

Ratesetter has been incredible since I started using their services almost a year ago now. The staff are friendly and accommodating. I recommend it to anyone wishing to borrow from a reputable lender. Reviewed on: 11th June 2020

Car help

Sadly my old car expired quite suddenly so we had to find another fairly quickly. We managed to find a newish one from a local dealer but the finance package so awful and I thought I could find something better. I did some research and found RateSetter and applied and was approved. We have had no issues thus far and I feel that the both the repayments and interest were acceptable on the loan as we are paying exactly what we paid over 10 years ago for the previous car. Its a different way of borrowing money as its not a bank but peer-to-peer investment for people to borrow from although the still require credit checks. I know via RateSetter we have shaved almost £20 per month off quote via the dealer so I think it has worked in our situation. Reviewed on: 11th June 2020

Excellent and quick service.

The website is customer friendly easy to use and they have a quick response. Staff are polite and friendly on line. Reviewed on: 11th June 2020

Very helpful

Very helpful, easy to apply, fast process Reviewed on: 11th June 2020

A good service.

A good value on loans and customer service is very helpful Reviewed on: 11th June 2020

BRILLIANT

VERY FRIENDLY SERVICE AND EASY TO ACCESS YOUR ACCOUNT ONLINE Reviewed on: 11th June 2020

Excellent service from RateSetter

Everything completed online. The money was in my account in hours. Very simple process. Reviewed on: 11th June 2020

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