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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)

Excellent!

Really easy hassle free loans! Pay back without penalty is a great thing! Reviewed on: 29th June 2017

Stress free lending

Fantastic website easy to apply. Customer service very friendly and happy to help. Great APR Money was in my account with in a short space of time. Reviewed on: 29th June 2017

New car

Outstanding I tried to borrow money from other sources without any luck but ratesetter gave me a chance and we are proud owners of our new car Reviewed on: 29th June 2017

Straightforward and fast loan company

I honestly cannot fault the experience, the process was fast and straightforward. Common-sense seems to prevail with this companies approach. All in all a great way to do business and I would happily recommend them to anyone as they will be top of my list if I needed another loan. Reviewed on: 29th June 2017

Unsure about RateSetter? Look no further....

With an easy to manage online account i can check every aspect of my loan which has left me more in touch of my finances. From the very first moment i applied to several months down the line which involved changing direct debit dates and even a second application, Rate Setter have helped me every step of the way. Another great aspect of their personal loans is that you can set the monthly payment terms giving you more flexibility to be within your monthly budget, not to mention an extremely comparable interest rate! As i'm coming towards the end with my time with RateSetter i will definitely be approaching them again if i ever need any further financial help. Thanks team! Reviewed on: 29th June 2017

Fantastic service

Brilliant customer service and a great rate. Would highly recommend for short term borrowing. Reviewed on: 29th June 2017

quick and hassle free

quick and easy to set up, information transparent and readily understandable. No issues at all. Anne Reviewed on: 29th June 2017

Very helpful

I had wonderful customer service and everything was easy to understand. Reviewed on: 29th June 2017

Most trustworthy to be found!

Ratesetter not only just loan the money out to you because you ask, they make you feel like having a purpose for the loan because you really need it not just want it for personal reasons. Great company and wouldnt choose anyone else to provide me with any future help! Reviewed on: 29th June 2017

Straightforward loans at competitive rates

I borrowed money for a car and found Ratesetter by far the most competitive lender. My application was dealt with efficiently & promptly. There were no hidden costs. I didn't get bombarded with marketing over the life of the loan, in fact there was no contact except to let me know when the term was about to expire & to thank me for my custom. Why can't other lenders be like this! Reviewed on: 29th June 2017

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