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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 & fair!

It was so easy getting a ratesetter loan! They gave a good APR when other companies didn't. The money was in the bank super quickly & fair monthly repayments! I would highly recommend this company! Reviewed on: 29th June 2017

Help when I needed it

I applied for a Ratesetter Loan to pay some debts off I had. I was able to give my side of things and someone read it and gave me a chance at a time when no-one else was willing to. I have been able to increase my payments for a while and decrease them when I needed to. Although I haven't missed any payments I know if I do I won't be charged for it, but will pay my loan back over a longer period. A human organisation with understanding, willing lenders that is professional whilst gentle in their treatment of all. Reviewed on: 29th June 2017

Ratesetter hmm, not impressed.

Ratesetter is ok, but I didn't like being blind sided, by the high backend fee's. Once you think you've got a loan, they add fee's at the end of the loan application. Reviewed on: 29th June 2017

Best rates from best lender

When all the banks charge unreasonable rates for short/medium term loans, RateSetter remains set as the primary provider; best rates... best lender. Reviewed on: 29th June 2017

Cheap money lending

Easy to apply and cheap credit ne ver ever had a problem with them Reviewed on: 29th June 2017

Easy to apply for a loan and manage your existing loan.

It was easy to get a loan. I like the Ratesetter website, I can manage everything including the amount of the monthly payment. After half a year of repayment they offered me to top up my loan. I like them. Reviewed on: 29th June 2017

Quick and easy form to fill. Got accepted within 24 hours.

Happy to consolidate my debts into one affordable payment. Reviewed on: 29th June 2017

Great, fast and easy service.

Very easy process and hassle free. Was pleasantly surprised with the service. Will definitely recommend and use it again in the future. Sebastian. Reviewed on: 29th June 2017

Best finance

Fell in love with a dream bike, shopped around for finance and found Ratesetter. I can now enjoy what I love doing and not worry about not being able to afford it. Reviewed on: 29th June 2017

Excellent service when I took out my loan

Very good service staff very helpful Reviewed on: 29th June 2017

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