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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)

Simple & straight forward

Very simple to apply and straight forward system. Also, I received the reply in minutes. To top it up best rates I could find at the time. Reviewed on: 10th March 2023

Quick and easy

The whole process was so efficient, quick and easy, would 100% recommend to anyone Reviewed on: 10th March 2023

Simplicity itself

The application process was really straightforward and the loan was paid into my account on the nominated day. Online management makes everything easy and the rate was great! Reviewed on: 10th March 2023

Fast efficient service

I applied online, the experience was straightforward with an easy to understand online form. Decision received after a review of my application by underwriters. Good UK based customer service team who dealt with my query to change the bank account the loan was repaid from, a couple of months into the loan period, with politeness and efficiency. Reviewed on: 10th March 2023

Easy loan with great APR

I applied for loan to cover cost of landscaping in my garden. Received nearly instant decision and money transferred next day. One of the best interest rates on the market (May 2022). Their website offering full breakdown of instalments, repayment tracker and documents available for download. Highly recommended Reviewed on: 10th March 2023

Good and simple

Kept me informed all through the process and it was quick and easy to apply Reviewed on: 10th March 2023

Really quick and easy to apply and great rates

I applied for a loan and got a decision back pretty much straight away, the money was in my account super-quick and I managed to get great rates. Thank you Reviewed on: 10th March 2023

They are the best for loans

Is very easy to access and they give you the loans what you need. The best loans.Thak you for your help. Reviewed on: 10th March 2023

Great all round service

I 1st heard of Ratesetter via a friend’s recommendation. Having spoken customer services, I had an agreement in place for the advertised interest rate. No hassle, easy, practical and helpful method of producing the required documents. Funds were sent over within a week. Reviewed on: 10th March 2023

Quick & Easy!

A loan at the snap of your fingers! I always thought it was strenuous, time consuming, and documents upon documents before waiting a while before a loan request was approved. Ratesetter proves that wrong. Reviewed on: 10th March 2023

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