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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)

Very flexible

Very pleased with the ability to make multiple additional payments easily and see breakdown of what payments consist of between capital, fees etc Reviewed on: 11th June 2020

Amazing rates

Very easy to apply and amazing rates. Website very easy to navigate. Reviewed on: 11th June 2020

Ratesetter

Very easy to apply for a loan and they are quick to sort contract out. Reviewed on: 11th June 2020

Brilliant

Great lenders! Their Interest rate isn’t extortionate like other lenders!! I’ve had no problems at all. The money was in when they said. Quick and easy to apply! Reviewed on: 11th June 2020

Simple and Easy

I love the clear breakdown of all future payments, including being able to see exactly how much of every payment covers interest and fees. It has made the repayment process so much easier when planning overpayments to reduce the term of the loan. I never feel unsure of the current status and have found this has been so helpful. Not fully understanding a situation often causes uncertainty and a lack of confidence, but Ratesetters structure is so easy to understand it makes borrowing and repaying clear and easy. Reviewed on: 11th June 2020

Simple, easy, apply form home.

It's hard to find a better place to get a loan. It was a simple, straightforward, no-nonsense process. Reviewed on: 11th June 2020

Best in the Market

Quick easy process to apply. Cheapest interest rate in the market. Easy online application & setup, no hassle for paper work. Thanks Reviewed on: 11th June 2020

Fantastic

I needed to get a loan for my first car and insurance and seen rate setter had the best rates for interest. I applied and within 2 days it was approved and transferred into my account. I recommend rate setter to anyone, brilliant company. Reviewed on: 11th June 2020

Very Easy process to apply for loan

The experience of using RateSetter is very positive in general. The process of getting load was quick. The online account is user friendly. Reviewed on: 11th June 2020

RateSetter saved me with it's quick application

I was in need of some short-loan money and RateSetter approved my application in a day! The money was then instantly transferred to my bank account and was ready to use. I would highly recommend RateSetter. Reviewed on: 11th June 2020

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