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)

Ease of use

4
Very quick and easy - all done online and no early repayment fees. If you need a loan these are very good Reviewed on: 29th June 2017
Andrew Taggart's avatar
Andrew Taggart

My Loan review

5
Really easy to use website, and very understandable. Would highly recommend! Reviewed on: 29th June 2017
Matt Wilkins's avatar
Matt Wilkins

Seamless

5
From start to finish everything is transparent, easy to understand and good value. Reviewed on: 29th June 2017
Mark mcgugan's avatar
Mark mcgugan

Easy straightforward and secure

5
The whole process was quick and easy and took minutes to do. Not had any problems with this company and would recommend to anyone. Reviewed on: 29th June 2017
David Nation's avatar
David Nation

Simple, fast, hassle-free.

5
I was able to take out a loan on reasonably good APR quite quickly. I am due to repay the loan in 1 month and had no problems thus far. Would recommend RateSetter to my family and friends for sure. Reviewed on: 29th June 2017
Zygimantas Adomavicius's avatar
Zygimantas Adomavicius

not too bad

4
easy to use and swift service start to finish Reviewed on: 29th June 2017
abid khan's avatar
abid khan

Fabulous quick and helpful

5
I used rate settler for a much needed personal loan a few days ago, and within hours I was accepted and money given the next working day. Contract was clear and concise no hidden payments and always provided numbers and emails to help with any concerns. I have recommended already to some of my friends with money struggles Thank you rate settlers Reviewed on: 29th June 2017
Shannon davies's avatar
Shannon davies

The future of lending

5
So easy to use, peace of mind that I could pay off my loan when I chose and very easy to keep track of my account in my own time. Takes the worry and fear out of borrowing basically. Reviewed on: 29th June 2017
Mark tattersall's avatar
Mark tattersall

Simple process and super fast turnaround!

5
Obtaining a lob with RateSetter was very simple from start to finish. The rates quoted were incredibly reasonable compared to others on the market and the flexibility was something that really appealed to us. The money was in our account very quickly and we can sign in to manage our account online with ease. Superb service and would recommend to anyone! Reviewed on: 29th June 2017
Ed Goodall's avatar
Ed Goodall

Easiest, friendliest borrowing site ever!

5
Have had a couple of loans from Ratesetter and has been the friendliest site ever, no problem using the site, easy peasy and the quickest answer to borrowing request I have ever had. Paying off the debt is also so easy and no penalties for over paying on occasion and therefore repaying early. will certainly use again if I need to and no hesitation in recommending to anyone else. Reviewed on: 29th June 2017
Jeanne van Tilborg's avatar
Jeanne van Tilborg

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