Smart Money People Logo
Go to business site
Share this page
Link copied

RateSetter: Loans 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
See only 5 star reviews
94%
See only 4 star reviews
6%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Angela J's avatar
Angela J

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
rooby roo's avatar
rooby roo
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.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

RateSetter Loans reviews (14024)

Simply simple

4
The whole process was quick and easy from start to finish, the sign up to receiving the loan was painless and the only query I had was answered same day. Very efficient. Reviewed on: 11th June 2020
DC's avatar
DC

Simple and easy

5
I applied online, was approved straight away and money was in my account the next day. A direct debit was set up so the money comes out my account every month and I don’t need to worry about forgetting to pay it. All information is on an online portal too which means I can keep track of how much I have paid back etc. Very simple and easy loans. Reviewed on: 11th June 2020
Steph 's avatar
Steph

Good

5
Nice, clear and quick, enjoyable experience Reviewed on: 11th June 2020
Al's avatar
Al

Great, hassel free!

4
Found these guys online, they helped me out when I really needed it. No hassel after you’ve agreed terms and easy to get hold of if you need to speak to them. Reviewed on: 11th June 2020
Darren's avatar
Darren

Great product with no hassle! PERFECT!

5
Really pleased with the service, low interest and received the money I needed quickly for a car I was buying to get me to work! Very happy customer and would definitely recommend and use again Reviewed on: 11th June 2020
Jade 's avatar
Jade

Brilliant rate and service

5
Fair rates. Professional service. Friendly consultants and clear advice. Reviewed on: 11th June 2020
Mandy killian's avatar
Mandy killian

Excellent experience

5
Ratesettler was quick, easy, and was extremely straightforward. The rate was one of the best on the market, and the loan was paid promptly. Highly recommended. Reviewed on: 11th June 2020
Adam Tantram's avatar
Adam Tantram

Fast, friendly and reliable

5
RateSetter have always been helpful, they’re quick to resolve and answer any queries I have with no hesitation. Anything that cannot be done online can be done quickly over the phone and always with a friendly colleague. Reviewed on: 11th June 2020
Emily's avatar
Emily

Ratesetter

5
I have Had 2 loans for emergency’s and throughout these the customer service has been amazing in fact I have even thought about becoming an investor, ratesetter makes you feel cared for and they do not rip you off no hidden charges or fees , low repayments and low interest I have recommended ratesetter to many friends and family Reviewed on: 11th June 2020
Stace's avatar
Stace

So convenient and no surprise costs!

5
ratesetter is probably one of the easiest loans I have ever taken out, you get the price you pay upfront no hidden surprises. And you can also make extra payments without being charged. I like the fact that it is real peoples money, so people like me and you can invest money into this site and help people at the same time. Brilliant. Reviewed on: 11th June 2020
Nick John Mitchell's avatar
Nick John Mitchell

Review RateSetter: Loans now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

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
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill