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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 rate, very affordable, happy days

Fantastic rate, better than the banks and you can more off in a shorter time limit and not be penalised for the privilege, highly recommended Reviewed on: 3rd September 2021

Best loan provider for personal or car finance purposes in the UK

I had my first encounter with Ratesetter when I was trying to purchase my car and they didn't disappoint and towards the end I asked for a new loan and they responded 'Yes' again because I didn't miss any payments but the honestly Ratesetter is excellent and unbiased lender. Patrick F-O Reviewed on: 3rd September 2021

Quick, efficient, hassle free service

Competitive rates and efficient service. RateSetter supported me through the application process from start to finish. Communication was great. Reviewed on: 3rd September 2021

Easy loan application & excellent website

Ratesetter was my number one choice when I was looking for a low rate loan. The application was smooth and the website itself is so user friendly you cannot go wrong. It’s so easy to make repayments & no additional charges for paying the loan off early. What is not to like. Brilliant service even more so that I can invest my own money to help loan money out to other people and get a healthy return back. Reviewed on: 3rd September 2021

Fast, efficient and we'll priced

A really great service. The application process was quick and easy with a decision in hours. The rate was amazing and we couldn't be happier. Reviewed on: 3rd September 2021

Never had an issue

On my second loan. Not had a issue yet Reviewed on: 3rd September 2021

Tired of being used?

After 40 years of paying bank loans and credit cards with up to 35% APR, I was pleasantly surprised when I found RateSetter. Their rates are very reasonable and I don't feel like I'm being taken advantage of. Nice people to deal with and their just like you and me! Reviewed on: 3rd September 2021

Brilliant company

Always very helpful and great customer service Reviewed on: 3rd September 2021

Easy to keep track of

Great rates, easy to keep up to date with the loan payments and they don't try and encourage you to get into date by constantly sending more rates etc. So good in that regard! Reviewed on: 3rd September 2021

Very professional, great customer service and overall very helpful

Was really easy to deal with and very reassuring Reviewed on: 3rd September 2021

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