Write a review

Go to business site

RateSetter: Loans reviews

Name: Loans
Rating: 4.93 (14024 reviews)

View other RateSetter products

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

Read all reviews Write a review

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

Help others make smarter decisions by sharing your own experience.

Write a review

RateSetter Loans reviews (14024)

Excellent company

Great service! Very well informed , able to pay back extra. Really would recommend Reviewed on: 9th March 2023

No problems

The hands off approach has always been amazing. I can log in and look if I want but am never bothered with notifications, calls, texts and emails like other companies. Reviewed on: 9th March 2023

Fast & easy

Needed a quick loan. Process was straight forward and got an approval right away. No hassle. Reviewed on: 9th March 2023

Quick, competitive and user friendly

I have used RateSetter a couple of times now and the experience has always been pleasant. Easy and quick application, transparent and user friendly. Reviewed on: 9th March 2023

Simple and easy

On my second loan to date and never had a problem from start to finish was simple and easy Reviewed on: 9th March 2023

Life Saving Loans

After a bad breakup with an ex, who I didn’t know had bad credit, left me with my credit score totally demolished, I struggled to move forwards with my life financially without being constantly penalised for someone else’s bad credit. It was a special kind of torture, I was constantly rejected for financial support which meant I just couldn’t get back up on my feet. But Ratesetter gave me an opportunity to get a loan, to start rebuilding my credit score and all in a way where I felt empowered by my loan. I could pay back extra at any given time so I was able to pay it back early and for the first time in a long time, I was able to feel proud of myself and my finances. My credit score is now finally back in the green and I plan to keep it that way, all new partners credit scores are vetted! Now when I need financial support by way of a loan, I come to Ratesetter, because I know that they will provide me with opportunities to improve my life, better myself financially and do it in a way that feels good and empowering for me. Reviewed on: 9th March 2023

Best lender

No words, they are the best in the uk Reviewed on: 9th March 2023

Great loan provider and easy to use website!

Rate setter provided me with my first ever loan to pay for a second hand car outright. They made it easy for me to understand my loan & their website was very easy to navigate. Reviewed on: 9th March 2023

Brilliant

Absolutely great from application to final payment. Would definitely use again. Reviewed on: 9th March 2023

Top quality service!

Previously used RateSetter for a personal loan. The whole process from gaining the quote, taking out the loan and keeping up regularly on my account details was perfect! Really well run software and affordable payment structures to pay back the borrowed amount. Highly recommend! Reviewed on: 9th March 2023

Do you have a different RateSetter product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Unsecured loans
from East Kilbride Credit Union 4.85 from 93 reviews
Payday loan (discontinued)
from SafetyNet Credit (inactive company) 3.81 from 39 reviews
Loans
from Vanquis 4.80 from 1254 reviews

Want to see more from RateSetter?

Car Finance
from RateSetter 4.90 from 308 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub