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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.

Review RateSetter: Loans now

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RateSetter Loans reviews (14024)

Extremely efficient way to borrow money

5
Signed up and obtained a loan in a short time. The features of the loan were a big attraction - being able to pay off the whole loan or chunks of a loan without pre-notification or penalty. Reviewed on: 29th June 2017
Allan Thompson's avatar
Allan Thompson

Serios people working at Ratesetters

5
My overall experience was very good with this company. I applyed for a credit and I got the money I needed realy quick. Thank you Ratesetter for helping when I was in need. Reviewed on: 29th June 2017
Alexandru Basanete's avatar
Alexandru Basanete

Fantastic all round

5
Simple & fast application. Customer service has always been fantastic. The website is user friendly & simple to use. Highly recommended Reviewed on: 29th June 2017
Jennie theaker's avatar
Jennie theaker

the best around

5
I have had a few loans now from RateSetter and they cannot be beaten for good service, excellent rates and speedy decisions Reviewed on: 29th June 2017
karen dyer's avatar
karen dyer

Done in 10 mins

5
Ratesetter is truly deserving of every award. First class service.. Reviewed on: 29th June 2017
Naheed Khan's avatar
Naheed Khan

Excellent idea

5
Think it's an excellent and efficient way of borrowing instead of one company it's made up of lots of people who are willing to borrow at excellent low rates. Highly recommended. Reviewed on: 29th June 2017
Sue lawson's avatar
Sue lawson

an excellent service in every respect

5
I needed some cash, applied and got a loan straight away. I paid it off, and all was dealt with very efficiently. A really excellent service, thank you Reviewed on: 29th June 2017
chris's avatar
chris

Done in 10 mins

5
I have borrowed twice with Ratesetter. First for a mobile phone via a mobile network and then via the website. Ratesetter is most easy way to borrow, manage and pay off a loan. I applied and within 10mins I had successfully submitted my application. The next day I was approved and money was in my account by 3pm. I managed payment via my account and was able to make over payments whenever and without penalty. I paid the loan off within 3 months even though I had 3 years. If I ever need a loan again... I know where to go. If you pay on time and have no mess ups... Ratesetter is always there for you.. Reviewed on: 29th June 2017
Naheed Khan's avatar
Naheed Khan

Professional and friendly staff.

5
Staff were very professional, helpful and friendly. I found the whole experience very straightforward and easy. Would recommend to others. Reviewed on: 29th June 2017
Gill Swift's avatar
Gill Swift

Amazing Service!

5
The service I received from RateSetter was swift, efficient and completely customer focused. I was amazed how quickly my application was dealt with, a decision made and the loan appearing in my account! It all seemed to happen in a day. Reviewed on: 29th June 2017
Ian Brettell's avatar
Ian Brettell

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