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RateSetter: Loans reviews

Name: Loans
Rating: 4.93 (14024 reviews)

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4.93

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)

Great and Easy

very easy to apply for loan online and would differently recommend them to friends and if I need another loan in the future this would be my first stop. Reviewed on: 10th March 2023

Friendly & quick.

Easy to apply, easy to manage. Would be my 1st choice if needed in the future. Reviewed on: 10th March 2023

Hassle free and easy to manage

Quick decision paid in a short time. Good customer service too! Reviewed on: 10th March 2023

Clear and simple to understand and easy to follow.

After filling out the online application, I received a call from a lady who asked some simple but important questions. Thanks to her help, I am now finishing my first year of a five-year loan plan. The interest rate for a £1000 loan is better compared to other lenders, since I did not have a loan history. Reviewed on: 10th March 2023

Great company they treat you with respect and dignity, You deal with real people not a faceless corporate organisation

I felt and feel like I am their number one priority, No hassle, just great service Reviewed on: 10th March 2023

Personal loans

I've used Ratesetter for loans on Windows, cars and other projects. They have better rates than my own bank (Halifax) can give me, so I have always used them. It's simple to set up and the money is in my bank within 48hrs. I've recommended them to friends and family and once my loan is paid off in the next 3 years, if needed I would use again. Reviewed on: 10th March 2023

I have a loan

Rate setter were the best loan company for me at the time I needed and loan, my account is easily accessible and the customer service is great Reviewed on: 10th March 2023

So straightforward

Ratesetter makes managing my loan really straightforward. The dashboard shows me everything I need to know and all of the information is presented in such an easy to understand format. I’d never taken out a loan before but I feel completely in control of my borrowing because Ratesetter makes it so easy to be. Reviewed on: 10th March 2023

Quick and Efficient

A stress free application process and the loan funds were in my account the next working day. Reviewed on: 10th March 2023

easiest loan I've ever got

this loan was the easiest I've ever applied for and got. As a self employed person I've had to work hard to get my credit score to a good level follow unforeseen incidents and was worried about applying for a loan but this was so easy and un stressful I can keep an eye on the loan and make additional payments when I can to reduce the time to pay it back. their communication is good and accessing the loan repayments to check it is easy to navigate through. Reviewed on: 10th March 2023

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