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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)

Super quick and easy to apply

Refinanced my debt and saved money Was so easy to apply and money was paid to my account within days Reviewed on: 5th April 2023

Top of the loans

Excellent online service quick and easy with outstanding service Reviewed on: 5th April 2023

Too good to be true

In fairness I genuinely cannot fault the whole process from inception, though to ending the loan. Friendly, reasonable, lower cost and helpful. Well done Ratesetter Reviewed on: 5th April 2023

Best service

Great rates and awesome customer service! Reviewed on: 5th April 2023

Efficient and honest

Very simple application process, did exactly what they promised. Reviewed on: 5th April 2023

Excellent

Very straightforward it could not have been easier Reviewed on: 5th April 2023

Amazing

Fantastic company, easy to contact and get my personal loan sorted. Definitely will recommend Reviewed on: 5th April 2023

simple and easy

Simple to apply and easy to setup. Direct debit each month with the option to top up and pay more off to shorten the loan just the way it should be. Reviewed on: 5th April 2023

FAIR

Ratesetter is unlike other banks that initially offer loans at reasonable interest rates, but later increase the interest rate significantly when you actually need a loan. When I required a loan from Ratesetter, the interest rate was surprisingly low compared to other banks/companies, I always share Ratesetter to my friend and family! Reviewed on: 5th April 2023

Loans

I wanted to make it easier to pay off my debt without having to make a large dent in my money each month ratesetter was brilliant quick and easy have have been a pleasure to do business with. Reviewed on: 5th April 2023

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