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)

Amazing Apr compared to rest of market.

5
Thought the Apr loan I got was a really excellent deal. You were helpful on phone and gave me my desperate funds needed for car. You trusted me even though I'm self employed and haven't missed a payment. Thanks a bunch. Reviewed on: 29th June 2017
Gary's avatar
Gary

Disappointed

2
The loan fee was not very clear, I have a perfect credit score on Experian and ratesetter offered a low interest rate, but after a nearly £300 fee was added I feel I got a very poor deal. For a single parent £300 is a lot of money and could've paid for a holiday for myself and my children, very sad. Reviewed on: 29th June 2017
Bernice Masey's avatar
Bernice Masey

Excellent

5
Quick easy applications and great rates Reviewed on: 29th June 2017
Jason fisher's avatar
Jason fisher

fab great loan copany

5
very quick into my bank account. easy to apply. defo recommend to anybody Reviewed on: 29th June 2017
Andy Armstrong's avatar
Andy Armstrong

Very helpful patient and understanding staff

4
I have always found the staff to be very helpful and courteous. Can call them with any queries or questions about my loan. Reviewed on: 29th June 2017
Olivia 's avatar
Olivia

The one stop loan shop, highly recommended

5
Quick, easy, great rates! Able to access your information at the touch of a button! With finance nothing is ever easy but this company really makes it so! Highly recommended! Reviewed on: 29th June 2017
Laura Jones's avatar
Laura Jones

Great service

5
I've taken out two loans from Ratesetter in the past and never had any issues. Great rates and easy to use online system. Would use again if I needed another loan. Reviewed on: 29th June 2017
Laura's avatar
Laura

Personal loan

4
Quick and easy to complete with pleasant and professional staff recommended Reviewed on: 29th June 2017
Brian Clews's avatar
Brian Clews

great loan company got my loan very quick

5
fast into my bank account. can keep track online with my payments. been accepted for another loan if i wanted from ratestter. Reviewed on: 29th June 2017
Andy Armstrong's avatar
Andy Armstrong

Easy to apply, decision and payment very prompt and great rates!

5
The whole process is easy from start to finish. Very clear on rates and payments. Changing details, early payments and further borrowing is also clear and simple. Would definitely recommend. Reviewed on: 29th June 2017
Stuart Fleming 's avatar
Stuart Fleming

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