Write a review

Go to business site

RateSetter: Loans reviews

Name: Loans
Rating: 4.92 (14024 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

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

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.

Write a review

RateSetter Loans reviews (14024)

Trustworthy Service

When I needed money my bank would not provide the service they advertised. I have been with my bank for 35 years. My track record was to inform the bank why and what I needed additional funds for, then arrange the repayments and get on with my life. My bank failed me. RateSetters trusted me and provided me with the funds necessary to move forward in my life. Not only do I owe them repayments for their trust in me. I owe RateSetters a debt of gratitude for trusting the agreement we made. I cannot recommend RateSetters highly enough. A simple straight forward way to do business. Thank you. Reviewed on: 29th June 2017

Easy loan

Needed a small loan to get a car and these guys helped us out and made it easy Reviewed on: 29th June 2017

ratesetter, no1 for loans.

i applied for a loan on ratesetter, for a car for my partner. as i use my car for work during the day and she could not get out until i returned from work at night. it was very easy to apply for . it was all done in a few minutes, and i had a reply in about 10 minutes. very good re-payments and a low APR. i would recommend rate setter to anyone. Reviewed on: 29th June 2017

No problems

As it says in title once I was accepted for a loan I have had two more since with no trouble and money in bank very quickly Reviewed on: 29th June 2017

Easy to use

Easy to use and transparent at every stage. Their communication was excellent Reviewed on: 29th June 2017

Great service

Easy application Very quick approval Money in the bank so quick Great service throughout Reviewed on: 29th June 2017

Very fair!

Ratesetter really helped me out when I needed it and with such a great and fair re-payment plan of course I would happily use again if I ever needed too. Reviewed on: 29th June 2017

A reliable & efficient company that I trust to borrow from

I have had 2 loans with Ratesetter and on each occasion the decision making was quick and efficient. Ratesetter kept me up to date with text messages and my online account so I knew where I was with the application process. Also the rates I were offered were very good compared to others. Their website is easy to use and all of my loan information and payment details are listed so I know exactly where I am with my loan. I have recommended ratesetter to my friends. Reviewed on: 29th June 2017

Outstanding

So easy to use online application every step layed out simply did what they said and money arrived in my account when said it would. Pain free and easy definitely recommend. Reviewed on: 29th June 2017

excellent service

Easy to apply and a good rate for personal loans. Would certainly use you again. Reviewed on: 29th June 2017

Do you have a different RateSetter product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Unsecured loans
from East Kilbride Credit Union 4.98 from 92 reviews
Payday loan (discontinued)
from SafetyNet Credit (inactive company) 3.80 from 39 reviews
Personal Loan
from Novuna Personal Finance 4.87 from 359 reviews

Want to see more from RateSetter?

Car Finance
from RateSetter 4.96 from 308 reviews

View all products

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

News, guides and insight from our team

View resource hub