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)

Simple, fair lending

5
My experience with ratesetter has been all positive. The loan was easy to apply for and easily managed online. Reviewed on: 11th June 2020
Hannah 's avatar
Hannah

No hassle service

5
Rate Setter is a great lending service, applying for a loan is so simple and intuitive and decisions are made quick! There are no issues with over communication or complications, a truly fantastic service! Reviewed on: 11th June 2020
James's avatar
James

Saved my bacon when I was down and out

5
Due to a horrid estate agent’s who will remain nameless, I was forced to leave my home of three years due to the landlord being missing (assumed dead). I already had a small loan taken out with one of the big banks and they refused to extend it to cover my moving costs, not cool. They did suggest using an overdraft of £1300 that they’d give me. That doesn’t really help in my situation and in the long run would lead to more financial burden. In steps ratesetter to save the day. They approved my loan quickly and it allowed me to move and consolidate my remaining debts. They were easily contactable and friendly. I’m almost 2/3 of the way through my repayments now and have managed to save up enough not to need a loan again if anything unexpected were to happen. This was all thanks to rate setter :) Reviewed on: 11th June 2020
Liam's avatar
Liam

Excellent

5
Quick efficient and easy process to follow Reviewed on: 11th June 2020
John's avatar
John

Ratesetter

5
When I got loan it was very easy for me and very help full in a min I got money in my account .thanks ratesetter Reviewed on: 11th June 2020
Zaheer Arshad's avatar
Zaheer Arshad

The reason I have a car!

5
Great rates and customer service by Ratesetter, so great that I recommended them to my family members. Hassle free too. Reviewed on: 11th June 2020
Mohamed Abadi's avatar
Mohamed Abadi

Quick and simple

5
No messing around. Quick and easy to set up and pay back Reviewed on: 11th June 2020
Zara89's avatar
Zara89

Ratesetter

5
Easy to apply and you can access your information quickly and easily Reviewed on: 11th June 2020
Jo's avatar
Jo

Rate setter to Win

5
Amazing customer service, always been helpful with me cheap interest rates took out 2 loans with them and both rates have been amazing. Only company I will use to take out loans with, they deserve to win as they are people friendly. Reviewed on: 11th June 2020
Bbesoph@hotmail.com's avatar
[email protected]

Quick and clear service

4
No complaints - quick service, money arrived promptly. No hassle Reviewed on: 11th June 2020
Laura Furniss's avatar
Laura Furniss

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

Want to see more from RateSetter?

  • Car Finance

    from RateSetter 4.96 from 308 reviews
    RateSetter
    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
    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