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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)

Simply awesome

Hassle free and very easy For anyone unsure about being eligible for a loan, forget the rest and go with these guys...they don't judge you just help you...perfect 5 star service Reviewed on: 29th June 2017

There when I needed them

Ratesetter was perfect for me when I wanted to consolidate my debts. I like that it's peer to peer lending & not a traditional bank. Thank you Ratesetter. Reviewed on: 29th June 2017

Low apr and fast transaction

Personal loan for family holiday. Professional lender, easy, fast, reliable. Reviewed on: 29th June 2017

Easy to apply and simple to get instant finance!

This is the second time that Ratesetter have come to my rescue at very short notice with a great result. Easy to apply on-line and an instant decision with money in my bank at a blink of the eye. I would definitely have no hesitation in recommending to friends and family! Reviewed on: 29th June 2017

Easy to use /fast service /easy to manage/decision straight away

This my second loan and was able to up payments when able and pay off early.Easy to get in touch and great rates and everything kept simple.Would recommend to anyone. Reviewed on: 29th June 2017

No hassle flexible lending

easy application process, online account can be viewed and changed at any time, flexible options to increase loan, change duration, change payment amounts. Who needs a bank! Reviewed on: 29th June 2017

The perfect choice

I found RateSetter online while I was searching for the best borrowing rates to consolidate my credit cards and I looked at over a dozen lenders. RateSetter had at the time the best lending rates by far. The application was so so easy and the the loan was transfered to my bank account in super quick time. Not only can you borrow money with RateSetter, you can invest with them too or even top up your loan if you need that little bit more. The perfect choice. Reviewed on: 29th June 2017

Great loans

Easy and quick process, good interest rates. Definitely recommend! Reviewed on: 29th June 2017

Recommending Ratesetter

Having never taken a loan out before, I was so happy with the process and the overall simplicity of Ratesetter. They were so helpful, the rates were great, and they took away a lot of the reservations that I had previously had around loan companies. 10/10, would recommend. Reviewed on: 29th June 2017

Fantastic

Rate setter are a fantastic lender to use, I opted for a 12 month loan and it helped me a lot that I could over pay and in doing so I paid my loan off in 8 months. Reviewed on: 29th June 2017

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