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Agree Invest Borrow About us Help Register Sign in Invest Borrow About us Help Invest How it works UK's most popular peer-to-peer investment platform ISA Earn tax-free with our Innovative Finance ISA Everyday investing Invest in loans to credit-worthy borrowers SIPP Invest through a Self-Invested Personal Pension Borrow Personal loans Low rate personal loans, borrow between £3,000 and £25,000 Dealer finance Dealer finance for business growth, £25,000 to £500,000 Property finance Property development loans, £0.5 to £10 million About us About RateSetter Connecting borrowers and investors, providing better value for all Peer-to-Peer Learn more about the benefits of our peer-to-peer platform Blog Read more about RateSetter and peer to peer investing Press Read about RateSetter in the media Register Sign in How it works UK's most popular peer-to-peer investment platform ISA Earn tax-free with our Innovative Finance ISA Everyday investing Invest in loans to credit-worthy borrowers SIPP Invest through a Self-Invested Personal Pension Personal loans Low rate personal loans, borrow between £3,000 and £25,000 Dealer finance Dealer finance for business growth, £25,000 to £500,000 Property finance Property development loans, £0.5 to £10 million About RateSetter Connecting borrowers and investors, providing better value for all Peer-to-Peer Learn more about the benefits of our peer-to-peer platform Blog Read more about RateSetter and peer to peer investing Press Read about RateSetter in the media Following the Covid-19 outbreak and the current economic environment, RateSetter announced on 4 May a temporary reduction in interest for the remainder of the year. During this time, investors will receive only 50% of their interest with the other 50% going to the Provision Fund, for the protection of all investors. Also, since the outbreak, the time it is taking investors to release their investments is currently longer than normal. Further information is available here. The quill was perfect. Until someone invented the pen. Investing and borrowing rewritten for everyone. I'm looking to invest I'm looking to borrow FCA authorised and regulated Over 84,000 investors Operating since 2010 Over £3.6 billion invested to date FCA authorised and regulated Over 84,000 investors Operating since 2010 Over £3.6 billion invested to date Invest Earn interest every day + Invest tax-free in our Innovative Finance ISA + Make regular direct debit contributions using our Auto Invest feature Learn more Borrow Get a loan at competitive rates + With flexible repayment terms + Fast response with no impact on your credit score Learn more Rated out of 5 Based on reviews Peer-to-peer means better value for everyone Ever wondered how your bank makes money? By lending your money. We believe that your money should work for you instead of someone else. In 2010, we founded RateSetter on that principle. We created a peer-to-peer platform to connect those who have money to invest with those who want to borrow it. We may not offer the lounge service and marble foyer of your bank, but we exist for people who want rewarding investments. Or a competitive loan. Read more RateSetter news RateSetter increases provision and temporarily reduces interest rates RateSetter 4 May 2020 We are announcing a temporary reduction in interest as a result of an increased provision we are making for the impacts of the current economic climate. The COVID-19 pandemic is having a major impact on the economy. Central banks have cut interes... Read article Inside RateSetter: Property Finance RateSetter 27 Apr 2020 In the latest in our series of blog posts looking at aspects of the RateSetter business we spoke to Neal Moy, who oversees RateSetter’s Property Finance portfolio. Can you give us a summary of your background in property finance? I have specialis... Read article Inside RateSetter: how we manage credit risk RateSetter 20 Apr 2020 Michael Hoare is RateSetter’s Chief Credit Officer, overseeing the management of credit risk, loan pricing and underwriting, and analysis of portfolio performance. Following our interview with Michael last summer , we talked to him again to find o... Read article Comparing performance of investment classes since the start of 2020 RateSetter 17 Apr 2020 We analysed the performance of mainstream investment classes since the start of 2020 and up to mid-April. Following the Covid-19 outbreak and the current economic environment, RateSetter announced on 4 May a temporary reduction in interest for the... Read article Inside RateSetter: collections and recoveries RateSetter 15 Apr 2020 Last week we announced that the completion of two sales of non-performing loans had added £4.65 million cash to Provision Fund – you can read the full detail here . A number of investors have asked to hear more about RateSetter’s approach to... Read article Completed sale of non-performing loans adds £4.65m cash to Provision Fund RateSetter 7 Apr 2020 This week, RateSetter has completed two sales of non-performing loans, with the combined proceeds of £4.65m added into the Provision Fund. The debt sale process started in December 2019 and we are pleased to say that we did not need to reduce our... Read article Read more Invest Everyday investing ISA Business Account How it works Provision Fund Lending Criteria Get started Borrow Personal loans Dealer finance Property finance Get quote About us Peer-to-peer lending Statistics Press Careers Blogs Help RateSetter is a trading name of Retail Money Market Ltd (Company No. 7075792) and our registered office is at 6th Floor, 55 Bishopsgate, London EC2N 3AS. Authorised and regulated by the Financial Conduct Authority (Ref. 722768). Loans are subject to status and affordability, the rate and fee you pay will depend on your credit profile. Over 21s only. © RateSetter 2010 - 2020. All rights reserved. Privacy Policy Cookies Terms of Use Investor Terms Press Complaints Procedure Provision Fund Policy Privacy Policy Cookies Terms of Use Investor Terms Press Complaints Procedure Provision Fund Policy...