Write a review

Go to business site

RateSetter: Loans reviews

Name: Loans
Rating: 4.92 (14024 reviews)

View other RateSetter products

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

Read all reviews Write a review

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.

Review RateSetter: Loans now

Help others make smarter decisions by sharing your own experience.

Write a review

RateSetter Loans reviews (14024)

Quick, simple and safe

Great service, prompt and straightforward communications. 5 stars Reviewed on: 11th June 2020

No fuss lending!

Application was quick and straight forward. I can log onto my account with ease and keep up to date with my loan. No issues with Ratesetter at all!! Reviewed on: 11th June 2020

In my opinion the best option for non-secured lending there is.

Fast decision, reasonable interest rate, good customer service and very flexible payment dates. Reviewed on: 11th June 2020

No hidden costs

First time taking out a loan, and I have been so impressed. No early repayment fees, and no penalties for over-payments. I've loved how flexible it's been and how I could overpay several times if I had a bit more money. There are no hidden catches or costs, which I was really worried about. The website is really easy to use and clearly shows your loan repayment plan, how much is left, your interest, and each payment that has gone out. Really impressed. I wouldn't go anywhere else for a loan now. Reviewed on: 11th June 2020

Great experience

no issues with using ratesetter and overall user experience is fantastic Reviewed on: 11th June 2020

Great service

I borrowed money from RateSetter in one of my worst moment in my life, when I lost my mum and I was in need for money for the funerals. I won’t forget never that RateSetter was the only lender who helped me in those awful moments. Thank you! Reviewed on: 11th June 2020

Great place to lend from

I would definitely recommend someone to use them and I would use again Reviewed on: 11th June 2020

Hassle free lender

If you want a loan without the stress anh hassle then ratesetter just may be the company you are looking for. Reviewed on: 11th June 2020

Always can rely on Ratesetter.

Every time I have needed a loan for emergencies Rate Setter have never let me down and the application system is straight forward and simple. Reviewed on: 11th June 2020

Amazing service

Having used RateSetter for a loan, I can safely say I would highly recommend to anyone. I was offered a very good/competitive rate and their online banking makes it so easy to track my payments and everything else. I would definitely recommend... Reviewed on: 11th June 2020

Do you have a different RateSetter product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Loans
from Vanquis 4.92 from 1253 reviews
Unsecured loans
from East Kilbride Credit Union 4.98 from 92 reviews
Personal Loan
from Novuna Personal Finance 4.89 from 359 reviews

Want to see more from RateSetter?

Car Finance
from RateSetter 4.96 from 308 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub