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RateSetter: Loans 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
See only 5 star reviews
94%
See only 4 star reviews
6%
See only 3 star reviews
0%
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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
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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.

Review RateSetter: Loans now

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RateSetter Loans reviews (14024)

Great service

5
No messing about just a very quick application and great service Reviewed on: 12th March 2023
von's avatar
von

Fantastic company

5
I’ve had nothing but positive experience with Ratesetter. Friendly, helpful staff and prompt, considerate and professional service. Highly recommended Reviewed on: 12th March 2023
John Steadman's avatar
John Steadman

I'd trust them again!

5
Did exactly what they said, no hidden extra charges, no annoying extra sales calls or emails. Very helpful. Reviewed on: 12th March 2023
CEB's avatar
CEB

excellent

5
very easy to set up and extremely helpful people..always got an answer straight back from any questions Reviewed on: 12th March 2023
s Sheffield 's avatar
s Sheffield

Great Rates

5
I needed to replace and move the position of my old boiler and was shopping around for a loan when I found Rate Setter who offered an absolutely amazing low rate, so I went with them and have almost finished paying it off. I have recommended them to friends and would definitely use again Reviewed on: 12th March 2023
Meg's avatar
Meg

Good services and good rates

5
I'll surely recommend people to rateSetter Reviewed on: 12th March 2023
Oyebanji Ajibade's avatar
Oyebanji Ajibade

Simple No Fuss Loan

5
Taking out a personal loan with RateSetter is one of the most straightforward no fuss financial services transactions I have ever experienced. RateSetter would be my first choice should I need a personal loan in the future. Reviewed on: 12th March 2023
Marcus Beard's avatar
Marcus Beard

Super simple

5
Such a quick and easy process at one of the best interest rates when compared to other loan experiences Reviewed on: 12th March 2023
Lorraine's avatar
Lorraine

Quick no hassle

4
I applied online and the money was in my account very quickly. It was hassle free, fast and efficient. You can make extra payments online and the balance is reflected within 48 hours. Great service, I would definitely recommend. Reviewed on: 12th March 2023
Dawn Golding-Rose's avatar
Dawn Golding-Rose

Great Company

5
Great service, I used rate setter after first trying to get a loan from Santander. Whilst awaiting for Santander’s approval I found their customer service shocking as I asked why my application was taking so long to approve. I found RateSetter on Martin Lewis website and was impressed by their reviews and also the low interest rate on their loans. The application process was quick and the customer service was also very friendly and helpful. I am 12 months into paying back my loan and would use them again if I ever needed. Reviewed on: 12th March 2023
Ryan Hopwood's avatar
Ryan Hopwood

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