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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)

Amazing service from rate setter

I would like to say that I have been using rate setter for around 5 years now and I would never consider using any other lending provider. The rates are fantastic, their service is transparent and trustworthy and above all their customer care is wonderful. I moved from the UK to NZ and often find providers difficult to deal with because of the time delay, but for rate setter nothing is to much trouble, they answer my queries within a 24 hour turn around and nothing is ever to much trouble. So I for one would whole heartedly recommend rate setters services. 10 out of 10 for me every time. Kind regards Samantha Reviewed on: 29th June 2017

Fantastic

It was the quickest way to get a loan. No hassle no problems Reviewed on: 29th June 2017

Great service!

This has been a seemless service with no issues at all! Reviewed on: 29th June 2017

Best rates made simple

I took a loan to buy a car online, it was approved in seconds and was in my account the next day. I have also been allowed to adjust my direct debit to suit my needs! Also very quick and simple to do! Amazing support Reviewed on: 29th June 2017

Honest and clear

I felt that applying for the loan was easy. I found it easy to track my payments online, and it was clear from the outset how much interest I would pay. When I telephoned them to make a lump payment, they were helpful, polite and straightforward. I would definitely use Rate Setter again if I required a loan. Reviewed on: 29th June 2017

No legal jargon easy affordable loan

Easy step by step application, no hidden costs, what you see is what you get and lower apr than the banks! Reviewed on: 29th June 2017

Great experience

RateSetter was the first company I used when I was applying for a loan. It was easy to apply and a decision was given in 24 hours. They were excellent and everything went smoothly and the repayments met my financial budget Reviewed on: 29th June 2017

Easy to use and very helpful

Nothing bad to say, a very helpful and easy site. Reviewed on: 29th June 2017

Easy and flexible

I took out a loan to buy a car, the application was easy and quick, the decision was made quickly meaning all I had to worry abut was finding the right car. I also paid it off early, without any penalties. Reviewed on: 29th June 2017

Easy, pleasant business to deal with.

Fantastic company putting itself at the heart of consumer lending. Friendly staff always willing to help. Reviewed on: 29th June 2017

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