Benefits of peer to peer lending with RateSetter

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Life is complicated enough, so RateSetter aims to make investing as simple and easy as possible.


This means that investors simply choose:

  • how much to invest, from £10 upwards
  • the level of access required, from easy access to longer term investments. Find out more about access here.


RateSetter takes care of assessing loan applicants, matching investments to loans and collecting and returning repayments to investors. You can read more about investing with RateSetter here.

RateSetter helps investors manage risk by only lending to creditworthy borrowers. Find out more about who the company lends to here. The Provision Fund spreads each investor’s risk across the whole loan book and provides a buffer against poorly performing loans. RateSetter borrowers pay into the Provision Fund and, if a borrower misses a payment, the Fund steps in to reimburse the investors. Find out more about the Provision Fund here.

As a result, to date, every individual investor has received the capital and interest that they expected.  This is a record RateSetter is proud of, but the company always likes to be clear that it is not a guarantee for the future.  Investments with RateSetter are not covered by the Financial Services Compensation Scheme and capital is at risk.

RateSetter has a customer satisfaction rating of 97% on independent review website, TrustPilot.

It is fully regulated by the Financial Conduct Authority.


New investor offer: £100 bonus when you invest £1,000+ for a year. Ts & Cs apply. Click here for more information.


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This area of the site is for independent financial commentary. These blogs are provided by independent authors via a common carrier platform and do not represent the opinions of ADVFN Plc. ADVFN Plc does not monitor, approve, endorse or exert editorial control over these articles and does not therefore accept responsibility for or make any warranties in connection with or recommend that you or any third party rely on such information. The information available at is for your general information and use and is not intended to address your particular requirements. In particular, the information does not constitute any form of advice or recommendation by ADVFN.COM and is not intended to be relied upon by users in making (or refraining from making) any investment decisions. Authors may or may not have positions in stocks that they are discussing but it should be considered very likely that their opinions are aligned with their trading and that they hold positions in companies, forex, commodities and other instruments they discuss.

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