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

Fabulous Company

5
excellent overall service very happy highly recommended Reviewed on: 30th June 2017
Vijay's avatar
Vijay

Better than a bank

5
I found the service to be straight forward, quick and very easy. The rate offered was better than my bank. I was totally satisfied with the service and would use it again if the need arose. I would recommend it gladly to my friends and family. Keep up the good work. Reviewed on: 30th June 2017
Mike Hood's avatar
Mike Hood

The Service, Experience and Model is Amazing. A great Company, Great Ethics.

5
I have only Borrowed as yet, but fully intent on saving an allowing others to take advantage of this, I love the full control and the feeling of part of a group rather than simply a customer. I always recommend this service and company to friends relatives. Keep on doing what your doing Rate Setter. Reviewed on: 30th June 2017
Gareth Nettleton's avatar
Gareth Nettleton

Fabulous Company

5
excellent service, very fast, easy customer service, excellent understanding of the customer need and very less paperwork Reviewed on: 30th June 2017
Vijay's avatar
Vijay

Relaxing!

5
The process of applying, and acceptance was swift, smooth and efficient. Other providers had declined my applications, but rate setter have enabled me to relax and enjoy life, helping me out at a diffcult time, with a no extortiate apr %. THANK YOU! Reviewed on: 30th June 2017
Rachel's avatar
Rachel

Quite Simply, Could Not Be Improved

5
We fell in love with a garden Pavillion at an RHS Flower Show, which at £5,000 wasn't something we could buy on a whim. We were offered the money interest free from Ratesetter... there must be a catch? No! Just a transparent process of 12 simple equal payments alongside an easy-to-use website which showed exactly what we had paid and how much was left and what date it would come out of our account. Paper statements every couple of months and a final letter to say when we had paid it off. If I was ever to take another loan out I wouldn't bother going anywhere else, just straight to Ratesetter. Thank you Reviewed on: 30th June 2017
Debbie Kitchen 's avatar
Debbie Kitchen

On the ball

5
Quick... Painless and a really quick transaction for the money I needed at the time..... Will possibly use again in the future...... Big thumbs up Reviewed on: 30th June 2017
Jonny Lunt's avatar
Jonny Lunt

Simple, good benefits

5
A loan was provided quickly and the payment schedule was explicit and obvious. Early repayment clear and available. Reviewed on: 30th June 2017
Rodney Sanches's avatar
Rodney Sanches

Low Apr/fast transaction

4
Easy to apply and low Apr, not very business model too! Reviewed on: 30th June 2017
Kris's avatar
Kris

GOOD RATE AND EASY TO SET UP

5
I FOUND THE LOAN VERY EASY TO SET UP AND AT A VERY GOOD RATE Reviewed on: 30th June 2017
SUE HEMMINGS's avatar
SUE HEMMINGS

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