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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, easy and straight forward

My experience with ratesetter has been very positive. I checked what I could borrow and for how long and received a few offers at different rates. The total borrowed and total paid back was laid out very simply with the monthly repayment set out very clear. The money was in the bank fast within 1 day once the agreement was e-signed and cleared. I would always check ratesetter first before any other loan comparison site. Reviewed on: 11th June 2020

Very easy to use and very simple to pay off sums of existing loan.

Excellent format and accessibility Reviewed on: 11th June 2020

5 plus stars

Very good experience for the last 2 years. Reviewed on: 11th June 2020

So easy to apply

Very happy with the rate of interest given and the website is so easy to use. Great to view your loan details and apply for further credit if required. Reviewed on: 11th June 2020

A*

Easy to apply, great communication, the online portal means you can keep track of your account which is great. I myself struggle with conversations over the phone due to anxiety issues, I email the company instead and always receive a swift response answering any query I may have. Would recommend highly. Reviewed on: 11th June 2020

Easy to use

Very simple and easy to use. Fast decision, quick onboarding and straightforward use for lenders and borrowers. Reviewed on: 11th June 2020

Ratesettler

Was quick and easy to apply. Money was delivered quickly and the customer service team were great and easy to talk to if I found a problem. Definitely recommend. Reviewed on: 11th June 2020

Happy customer

Ratesetter is a life saver. I had a normal credit rating, which was difficult to get a loan, however ratesetter approved me and I was able to move into a home without any hassle. I have paid back each month without fail as their handy direct debit means I do not need to worry about. Their interest rates were less than I expected which is good which means I can pay it off over a shorter time. Thank you Reviewed on: 11th June 2020

Fantastic company for your loan

The whole process to apply, sign and receive the loan is very user friendly and quick. The rates are also excellent. I would always recommend using RateSetter. Reviewed on: 11th June 2020

Great rate easy repayments.

I have 2 loans with Ratesetter and they were uncomplicated to attain with easy repayments. Simple to make an additional payment and easy to use website. Reviewed on: 11th June 2020

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