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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)

Easy to access no nonsense loans

As the title says easy to access no nonsense loans. I've used ratesetter multiple times purely for the ease of access and fair rates. The staff that I have spoken to have always been able to answer any questions that I have and made sure I know all the details of the loan that I'm taking out. Will be using again in the next couple of years. Reviewed on: 2nd September 2021

Great value easy set up

Ratesetter have set the tone for personal loans. Good value and very easy to stay on top of your loan repayments. Reviewed on: 2nd September 2021

Fantastic

Customer service is amazing and the services they provide are great. Reviewed on: 2nd September 2021

Fantastic Lender

I use ratesetter whenever I have a borrowing need. Simple, straight forward and money received within days. Highly recommended! Reviewed on: 2nd September 2021

Excellent

Excellent service great value and easy to arrange Reviewed on: 2nd September 2021

Quick happy loan

Very fast, friendly service, low interest, convenient repayment. I am very pleased, I sincerely recommend it. Reviewed on: 2nd September 2021

The best I have used

Really pleased with Ratesetter. When I applied for my loan online, everything was made clear. Repayment amounts, date repayments would be taken, and the APR. this really did shock me. The APR Ratesetter gave me was the lowest I had been offered anywhere else! Really could believe it, but it’s true! Thank you all at Ratesetter. Reviewed on: 2nd September 2021

Easy and reliable

Was really easy to check eligibility then when I needed a further loan I had no issues. Haven’t had any issues to contact them about but it was easy to change payment date online. Website is easy to follow. Reviewed on: 2nd September 2021

Help when you need it.

I needed to consolidate some debts and Ratesetter quickly and easily approved my loan, the money was transferred and everything covered. I couldn't ask for anything more or easier. Reviewed on: 2nd September 2021

Great customer services and very friendly

Always a good experience and nothing is ever a problem. Great service, polite, professional and a pleasure to communicate with Reviewed on: 2nd September 2021

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