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Start investing with RateSetter voted best P2P lender by Which? readers

NO FEES
we don't charge fees for investing.
TRUSTED
98% of lenders recommend us based on over 739 independent reviews.
TRACK RECORD
over £1,000,000,000 invested and not a penny lost.

Your capital is at risk. RateSetter is not part of the FSCS. Rates are annualised over the specified term and returns are before tax, assuming reinvestment throughout term at the same rate. Rates may vary as RateSetter is a marketplace.

Rolling market

2.5%
annualised


Start Earning

NO FEES
we don't charge fees for investing.
TRUSTED
98% of lenders recommend us based on over 739 independent reviews.
TRACK RECORD
over £850,000,000 invested and not a penny lost.

Your capital is at risk. RateSetter is not part of the FSCS. Rates are annualised over the specified term and returns are before tax, assuming reinvestment throughout term at the same rate. Rates may vary as RateSetter is a marketplace.

"RateSetter are blazing a trail and getting back to what banking should be about."


Joe Levey,
RateSetter investor

"A great way to match a regular expense to a regular income and at much better rates than you could get at a bank"


Nick Hallwood,
RateSetter investor

AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY (FCA)

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Disclaimer:

What you need to know. It may not be exciting but it is important - like remembering your mum's birthday:

  • The lending rate shown is as at 20/04/2021. It is before tax, assumes you reinvest throughout the term and assumes coverage from the RateSetter Provision Fund.
  • No one has ever lost a penny at RateSetter, although no investment is risk free. Our Provision Fund has a perfect track record but it does not provide a guarantee and your money is not covered by the Financial Services Compensation Scheme.
  • We offer easy access to your money but we cannot guarantee it.
  • RateSetter is authorised and regulated by the Financial Conduct Authority (Ref. 633741). Our offices are at 406 Great Guildford Business Square, 30 Great Guildford Street, London SE1 0HS.
  • To open an account and start earning at RateSetter you must be over 18 and a UK resident.
  • To borrow from RateSetter you must be 21 or over and have a UK bank account.
  • If none of that made sense please give us a call on 020 3142 6226