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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)

Fast, Efficient and Stress free

I needed emergency money for my wedding, I was stressed and had empty pockets as i had spent the majority of my budget. In my low state RateSetter came to the rescue like a digital bro that friend who's always there in shining armor over the internet. They provided me with a loan. The process was a pleasure start to finish, and more importantly I was saved from the wrath of the the wife. Reviewed on: 29th June 2017

Excellent lender

Ratesetter have been an excellent lender to me, on hand if I have any questions and best of all low interest! Would most certainly recommend to family and friends. Reviewed on: 29th June 2017

Easy

Found rate setter on line, it was easy to apply and was informed of everything every step of the way. Always pleasant to talk to on the phone and very informative. Reviewed on: 29th June 2017

Extremely easy to use and access account once set up.

I've used ratesetter twice now for car purchase finding that their rates favourable to banks and car loan companies. I find the fact that you can access you account and see exactly what has been paid and what remains outstanding very useful indeed. Sadly my only criticism is that when initially searching for a low cost loan I was quoted a particularly low rate which, once applied for, rose slightly but still remained lower than the competitors rates. I would still highly recommend RateSetter as when I searched they were still the best I could find. Of note is their ease of use once you've registered previously, very useful indeed. Reviewed on: 29th June 2017

Prize winning service.

Need a fuss free fair rate loan that doesn't make you jump through hoops for approval.Ratesetter did this for me...I tried several well known companies who asked lots of questions wanted lots of information before they would even consider my request for a small loan.I went to Ratesetter thinking they would be the same. Within three days of applying to this company through a simple questionnaire that didn't require my shoe size and what my favourite colour was...I received approval and the money went into my account...No fuss ...no delay...no hassle....with a great repayment plan that is fixed and much cheaper than my bank. Thankyou for being there when I needed you most. Reviewed on: 29th June 2017

Quick and easy loan!

Really a very easy application process and quick transfer of funds. I would definitely recommend this service to family and friends! Reviewed on: 29th June 2017

Great to know

When looking for a loan, I found ratesetter a real pleasure to deal with. Simple, easy application process, and the interest rates were far lower than my banks. Also, approval was very quick. Whenever I am in need of financial assistance I will always to to Ratesetter_i don't believe that there is anybody better. It's always an uneasy feeling when approaching a company for a loan, but their approach and simple application puts you at ease Reviewed on: 29th June 2017

A good service that took us on when many didn't

The support in general has been good and if there was ever an issue Ratesetter demonstrated a willingness to be flexible and find a solution Reviewed on: 29th June 2017

Fantastic, flexible and heloful

I had a personal loan for 24 months, the flexible and easy to manage on line account made it easy for me to amend my payments and I subsequently paid it off in 13 months. The staff were excellent too when I called them and their email replies were quick and very helpful too. This will be my first port of call if I need another loan! Reviewed on: 29th June 2017

Fantastic Finance

Ratesetter in my opinion are probably the most efficient,courteous & professional lender on the market.They not only offer genuine loans & assistance,but their aftercare & repayment consideration is something to be admired.ThankYou & Well Done. Reviewed on: 29th June 2017

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