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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)

super

easy to applie excellent customer service Reviewed on: 29th June 2017

excellent service

quick and easy service very efficient and extremely good rates, would recommend to others Reviewed on: 29th June 2017

Clever, quick and on the ball

I had approval from ratesetter within 2 hours and had received the funds within 48 hours. A very slick service experience from rate setter and have recommended to family and colleagues. I will be returning again next year when I'm ready to change my car. Thank you Ratesetter Reviewed on: 29th June 2017

Perfect Lending Company

I have never dealt with such an easy, perfect company who are lending you money. You only have to google their name and not one bad word is said against them. I will forever recommend to everyone. Thank you so much for my Loan without you I may not of survived. Reviewed on: 29th June 2017

Amazing Service from Start to End

When looking at endless loans on the competitive market Ratesetter stood out from from the crowd. Peer to Peer lending is a reliable and safe choice without having to deal with endless on-line forms. Not only were they able to advise and answer all my many questions, the process was easy and instant. Ratesetter have helped me see the other side from being in a financial pickle to getting full control of a debt free future. THANK YOU RATESETTER. YOU ARE THE NO. 1 PEER TO PEER CHOICE. Reviewed on: 29th June 2017

Brilliant no fuss no hassles

Requested amount gave documents that needed. Gave me monthly payment agreed terms and loan agreed. No simpler than that. Reviewed on: 29th June 2017

Easy to administrate no fuss quality service and delivery

I have used Ratesetter for a couple of loans in the past and have almost completed my repayments but would not hesitate to use them in the future for their speedy, quality service and prompt funds, despite not charging over the odds, highly recommend to anyone needing a help now and then! Reviewed on: 29th June 2017

Very good service excellence terms very happy

I was worried about taking credit however rate setter made it simple easy all terms and conditions where clear and value for money for the small loan I required . Quick release of funds made it simple Reviewed on: 29th June 2017

Reasonable, convenient and flexible

I really appreciated having access to peer to peer borrowing. It offered me a cheaper way to borrow over a flexible payment period. It was so convenient and quick to process which saved me more money and gave me reassurance at a time I really needed it. Thank you Reviewed on: 29th June 2017

So easy to deal with.

Ratesetter are so straight forward, with a great user friendly website. Ratesetter helped me with a leg up at a time when no one else would. I've had 3 loans over the last 5 years or so, all of which are paid back and I'm now in a position where I'm starting to lend through ratesetter rather than borrow. 'Pay it Forward' I say. Reviewed on: 29th June 2017

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