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)

5 star, affordable, easy and a real-gamechanger

5
Apart from a student loan a loan was something I'd never considered before. The word 'loan' was always too big and scary for me, but when it came to buying a my first car after passing my test and help with my first years insurance the word became something that I had to face my fears over. Rate-setter made it easy to understand the process and made my first loan a less scary experience. Their site was easy and quick to use and I found out if I was eligible pretty much straight away, I found a great loan with affordable repayments with a time scale that suited my needs and I new what they were before I even accepted the loan. I would hugely recommend rate-setter, when I had to speak to their staff after forgetting my password, they were so friendly and made it a really easy process. THANKS RATSETTER! Reviewed on: 29th June 2017
Anne Marie Taylor's avatar
Anne Marie Taylor

proffessional

5
when contacting a ratesetter advisor i found the advisor had a relaxed and very helpful professional manner ratesetter i believe is second to none Reviewed on: 29th June 2017
colin ozols's avatar
colin ozols

Very positive experience.

5
The rates are favourable and the arrangement procedure was simple, quick and easy, without being intrusive. Reviewed on: 29th June 2017
Peter Burgess's avatar
Peter Burgess

Effortless application process and prompt service

4
From straightforward online application to receiving my loan the process was swift and trouble free. Ratesetter kept me informed of progress regularly and have maintained informative contact since. This type of loan appealed to me and offered a competitive rate via a route I would hope to participate in again. Reviewed on: 29th June 2017
David Massie's avatar
David Massie

Great service

5
Great service easy to follow guide no hidden fees Reviewed on: 29th June 2017
Richard Guest's avatar
Richard Guest

Absolutely fantastic.

5
Would recommend to anyone, reasonable interest rates and quick decisions, this company help me so much when I couldn't get a loan anywhere else. From the start they have been brilliant and I won't shy from using again if needs be. A++++++ Reviewed on: 29th June 2017
Mark Poole's avatar
Mark Poole

A loan company that is flexible and stress free

4
We had to take out a loan to basically make ends meet and our final payment is about to be paid on 3rd of July. It's been a pleasant experience and the rates are actually much lower than my bank so I would take out another loan if I need one in the future. Recommended Reviewed on: 29th June 2017
Chi Luong's avatar
Chi Luong

Super lender

5
I am very happy about service. They help me each time I need with low APR rates. Reviewed on: 29th June 2017
Ludmila K's avatar
Ludmila K

Great company

5
Very easy to apply and quick response, money straight into bank, brilliant Reviewed on: 29th June 2017
Julie's avatar
Julie

Fantastic lender

5
I was in need of a loan and ratesetters was the best one I found , would use again and would recommend to people without a second thought Reviewed on: 29th June 2017
Gary beresford's avatar
Gary beresford

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

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