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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)

No frills, no nonsense

I refinanced my personal loan from RBS to Ratesetter and the interest rate was much better. Down from 17% to 6%. Great service. Reviewed on: 10th March 2023

Fantastic

Best rates available and Easy to apply Reviewed on: 10th March 2023

Loan application

My loan application was approved without any problem very satisfied customer Reviewed on: 10th March 2023

Best Loan Ever

I am very pleased with the way in which this company works, I can go online at any time and look at what is outstanding or even make extra payments easily. Reviewed on: 10th March 2023

Customer experience

Great service, friendly helpful staff Reviewed on: 10th March 2023

good

very good and fast decision when ask about loan Reviewed on: 10th March 2023

Excellent service

Quick and easy approval. Great service no hassle Reviewed on: 10th March 2023

Easy and Affordable

I needed to replace my ageing Land Rover and required a loan to do this. I was recommended Ratesetter as it was a unique type of lender compared to the more traditional routes. The application process was easy and painless with a quick decision made and the funds were quickly in my bank account. A very affordable rate of interest with the facility to pay off more per month if desired without penalty. Reviewed on: 10th March 2023

Quick and easy to organise

I needed a loan for some home improvements. Rate setter was quick and easy to organise, had completely manageable payments and the money appeared in my bank account just a couple of days after I signed so I was able to go ahead with my plans with no long waiting times. Reviewed on: 10th March 2023

Very friendly and helpful

Very good service and excellent product would recommend to anyone Reviewed on: 10th March 2023

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