The Financial Ombudsman have upheld multiple complaint about this firm

How surprising, given the high number of complaints about this firm (look for Retail Money Market Limited on the Financial Ombudsman Website) that there are SOOOO many super positive reviews....On another note, back in 2014 The FCA was warning that some P Read more

How surprising, given the high number of complaints about this firm (look for Retail Money Market Limited on the Financial Ombudsman Website) that there are SOOOO many super positive reviews....On another note, back in 2014 The FCA was warning that some P2P platforms were manipulating reviews on review sites.

This is a bad review, it's also genuine. Ratesetter is a terrible business model, and is terrible to do business with. The P2P scandal is widely covered now in multiple court cases and forums, I appreciate that the first thing that will happen after this review is posted is that the Smart Money People will get an email from Ratesetter Legal telling them to take down my review, it's happened on other review sites, but I can back up this bad and truthful review with plenty of evidence. What Metrobank were doing buying this firm in a six week negotiation during lock down, and what due diligence they did is one question I would ask. There will be many more questions asked as The FCA whistleblower case of relating to P2P rumbles on. But to quote directly from that, P2P had 'Ponzi Like" practises... Those guys are still in charge - don't believe the hype

Reviewed on 10th August 2022

Rosie Heys McDonagh

Loan

Staff were disbelieving and make me feel like a criminal, told me lies, worst financial institution I have ever used poorly trained staff, poor service

Reviewed on 7th August 2022

Keith Launch-paup

Outstanding service

I have been using Ratesetter for a number of years now and have found them to be the best loans company by far. They responsibly loan money and don't overcharge for the privilege. I love that I can clearly see what I owe, and can make overpayments when I Read more

I have been using Ratesetter for a number of years now and have found them to be the best loans company by far. They responsibly loan money and don't overcharge for the privilege. I love that I can clearly see what I owe, and can make overpayments when I want to reducemydebt faster. I would 100% recommend this company as it has been able to offer me short term loans at affordable rates and often the APR is lower than loans from my bank. Sterling company!

Reviewed on 18th April 2022

Roberta

Very easy to apply and get a quick cash transfer to your bank account.Highly recommended.No fuss,no dramas.Just a quick efficient service,!

Quick efficient service.No fuss,no dramas. Quick efficient service!!

Reviewed on 12th April 2022

Ernest McGookin

East to set up

Easy to set up and understand would definatly use again and recomend

Reviewed on 11th April 2022

Yvonne Nickson

choose this provider for personal loans!!

Approval within 2 hours, money in my bank the next day. Far lowest interest rate on the market, great service too!

Reviewed on 3rd April 2022

Dav95

Loan made easy

Most helpful, very efficient, speedy delivery and excellent rates.

Reviewed on 1st April 2022

Margaret Debono

Great service

Super quick, smooth, website user friendly, great customer service.

Reviewed on 30th March 2022

Danny Duckworth

Best loan company ever

I can’t fault this company. Loan prices very fair. Easy to set up. Good customer service

Reviewed on 30th March 2022

Jackie Warr

Better than using the banks

Used a few times, easy process using open browser

Reviewed on 29th March 2022

J Hamer

Great product and service

It was so simple, if only everything in finance was this straightforward.

Reviewed on 29th March 2022

Jason

Fast response

On my second loan from ratesetter found they respond fast money goes in fast and repayments are affordable.

Reviewed on 29th March 2022

Elizabeth Johnson

Fast efficient easy

Used previously and currently best loan service

Reviewed on 22nd March 2022

Riard

Quick and easy

Didn't take long to organise, once excepted money straight into account.

Reviewed on 21st March 2022

Lynne

Great company

Great experience very recommend

Reviewed on 18th March 2022

Kasia Kurczynska

Good company

The only company that offered help when needed most with the lowest apr when i took a loan from them

Reviewed on 18th March 2022

Jun Tion

Life-saver

When no one else would help; you did. Truly got us back on track to happier times. Thank you.

Reviewed on 14th March 2022

sharon cunningham

Easy to use company

Easy to use company for a loan, I'm glad I utilised this company

Reviewed on 13th March 2022

Francis Dougherty

Couldn't be easier!

Everything about Ratesetter has been great. You get a fast response when you apply and even faster payment once your approved. The monthly payments aren't insane and It's flexible meaning you can pay as much off as you like each month with ease. I haven't Read more

Everything about Ratesetter has been great. You get a fast response when you apply and even faster payment once your approved. The monthly payments aren't insane and It's flexible meaning you can pay as much off as you like each month with ease. I haven't had to call customer services for any reason but if the service is like everything else it will be 2nd to none.

Reviewed on 13th March 2022

Mark Pilley

Brilliant service, really easy process

They have helped me out of a couple of pickles and always been really great.

Reviewed on 12th March 2022

Cat Enos