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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)

5 Star service! Quick, easy and flexible!

The application was very easy to complete on line. Decision within minutes and the best rate around!! It's great being able to change your payments so you can pay off the loan quicker, and you can also change your payment date to suit. Would highly recommend RateSetter to anyone, much better than any bank! Reviewed on: 29th June 2017

Evcellent service

Really easy to apply. Fast and well informed of offers and advice on how to pay off quicker Reviewed on: 29th June 2017

Silent partner

Loan went through flawless. Never been pestered trying To sell me other loans.Excellent service would definitely Use again. Reviewed on: 29th June 2017

So easy to find what you need and if you're fine to borrow the amount needed

My first experience of applying for a loan on-line was so reassuring I continued the application with confidence knowing help was right there if required. What I particularly liked, that there was no waffle, advertising or jargon plus the option to phone was made obvious if you felt easy talking to someone. Highly recommended from my experience. I am now into lending a little too! Reviewed on: 29th June 2017

EASY LENDING WITH EASY TO USE ONLINE ACCOUNT

I HAVE USED RATESETTER FOR 2 LOANS NOW AND HAVE ALWAYS FOUND THE PROCESS SEAMLESS AND EFFICIENT. WHEN I NEED TO CALL THE ADVISERS ARE HELPFUL AND KNOWLEDGEABLE. WOULD HIGHLY RECOMMEND. MAY CONSIDER INVESTING IN THE FUTURE AS THE RETURNS ARE ON PAR IF NOT BETTER THAN MANY BANKS. Reviewed on: 29th June 2017

Fab service!

Everything ran so smoothly with no hassle! Staff were always so helpful and knowledgeable Reviewed on: 29th June 2017

Seamless experience

Prompt and fast at approving me a loan when I was reshuffling my finances, decision was made immediately and I have a competitive interest rate better than what my bank had offered me after 20 years of being a customer too! Reviewed on: 29th June 2017

Easy peasy

It was so simple, easy and efficient process to follow. Amazingly quick and money in bank in no time. Terms and conditions were well explained and clear. Perfect, Thanks Ratesetter. Reviewed on: 29th June 2017

Easy and hassle free

Straight forward application and once approved cash was speedily transferred to my account. Good rates and better than some competitors. Would have given 5 stars but find that if you want to pay the loan off the interest is high. It would be the icing on the cake if there was more of an incentive to do that. Reviewed on: 29th June 2017

Quick and easy!

Applying was really easy and simple! Some lenders have a bazillion forms and take days to get back to you but Rate Setter was simple to fill out and I got my response the same day. All the terms, payment details etc are laid out in really friendly terms - no jargon! Would definitely recommend! Reviewed on: 29th June 2017

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