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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)

Great rates and excellent terms

I found the whole process remarkably easy, moving a loan from an existing provider to obtain a lower rate of interest and the flexibility to make extra payments or to pay off the balance at any time. The online portal was easy to navigate, help was available if I needed it and I was kept fully informed of the progress of my application. I saved enough money to pay off the loan earlier than planned and again this was done without hassle - the total outstanding was sent to me and my payment went through smoothly on the agreed date. I would seriously recommend Ratesetter to anyone who is confident in theirability to keep up to date with payments and optimistic that they may be able to make extra payments at some stage in the future. Reviewed on: 29th June 2017

Fantastic

I was very pleased with ratesetter. If I take out a loan again i would do it with ratesetter again. Reviewed on: 29th June 2017

Very good provider

Clear process and good customer service Reviewed on: 29th June 2017

How low can you go?

We needed a small loan to consolidate some debts. Having been a customer of ratesetter in the past I was able to secure a loan at just 3% interest. Service was fast and payment made on the date and time they stated. One suitably satisfied customer. Reviewed on: 29th June 2017

Excellent, reliable, 100% satisfied

Excellent service. Applied for a loan twice with rate setter and on both occasions I have been accepted. Excellent service and low APR. Extremely happy Reviewed on: 29th June 2017

Excellent

Really good money was in quick and easy repayments on a set day Reviewed on: 29th June 2017

Great service fast and professional

Rate setter got me out of a sticky situation and offered a clear and manageable repayment method. It's a shame I can't continue my payments in another country however. Reviewed on: 29th June 2017

Excellent Service

A very positive experience which was quick and easy. Very confident with the service and would highly recommend. Reviewed on: 29th June 2017

Best place to get loan

Was easy to apply, everything went smoothly. .very impressed with this company. Would recommend to anyone. It was as easy as 1 2 3. . Plus being able to deal with your account on line helps me as u can access 24 7. Reviewed on: 29th June 2017

So speedy

Ratesetter was there for me when I needed it, whilst moving house, the costs spiraled and a Ratesetter loan to bridge a gap sorted us out. As a borrower I'd recommend to all. Reviewed on: 29th June 2017

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