6 sites like RateSetter

RateSetter is perhaps the biggest name in peer-to-peer lending right now, but it's not alone.

Find the right loan for you

  • Good or bad credit histories considered
  • Fast funding with no hidden costs
  • One simple form to compare lenders

Important: As of 2021, RateSetter is no longer in the P2P lending space, but they are still offering personal loans. You can still use this page to find and compare other P2P and personal loan lenders.

Compare Ratesetter alternatives

Company Description Example Loan
Lendable Personal Loan Borrow £1,000 to £20,000 over terms from 12 to 60 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 722768. Representative example: Borrow £7,500 over 36 months at a rate of 18% p.a. (fixed) with £440.00 fees. Representative APR 22.9% and total payable £10,144.52 in monthly repayments of £281.79. Check eligibility
Zopa Personal Loan Borrow £1,000 to £25,000 over terms from 12 to 60 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 718925. Representative example: Borrow £7,500 over 5 years at a rate of 8.8% p.a. (fixed) with a £180 fee. Representative APR 9.9% and total payable £9,443 in monthly repayments of £157.40 Check eligibility
JustUs Personal Loan Borrow £2,000 to £25,000 over terms from 24 to 60 months. Representative example: Borrow £10,000 over 5 years at a rate of 10.0% p.a. (fixed) with no fee. Representative APR 11.7% and total payable £13,258.16 in monthly repayments of £220.97. More info
Lending Works Personal Loan Borrow £1,000 to £25,000 over terms from 12 to 60 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 723151. Representative APR 9.9%. The rate you are offered depends on your personal circumstances, the loan amount and the repayment term, and may differ from the Representative APR. Check eligibility
Madiston LendLoanInvest Unsecured Personal Loan Borrow £1,000 to £7,500 over terms from 12 to 60 months. FCA firm registration number: 724098. Representative example: Borrow £3,500 over 5 years at a rate of 4.9% p.a. (fixed) with fees of £105.00. Representative APR 7.31% and total payable £3770.64 in monthly repayments of £104.74. More info
QuidCycle Personal Loan Borrow £2,500 to £25,000 over terms from 12 to 60 months. QuidCycle specialises in helping borrowers to refinance and consolidate expensive debt. FCA firm registration number: 655370. Representative example: Borrow £10,000 over 5 years at a rate of 6.9% p.a. (fixed) with no fee. Representative APR 6.9% and total payable £11,880.00 in monthly repayments of £198.00. More info
Late repayments can cause you serious money problems. See our debt help guides.

Personal loan calculator

Table: sorted by representative APR, promoted deals first

Before you take out a personal loan, it’s smart to read up and shop around. You can use the table below to see how much you’d be likely to pay for the loan that you have in mind from a range of popular lenders:

1 - 7 of 7
Name Product Total Payable Monthly Repayment Representative APR Link
Lending Works Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 13.4% p.a. (fixed) with an application fee of £0.00. Representative APR 13.9% and total payable £12,144.60 in monthly repayments of £337.35.
HSBC Existing Customer Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 3.4% p.a. (fixed). Representative APR 3.4% and total payable £10,524.24 in monthly repayments of £292.34.
Novuna Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 3.1% p.a. (fixed). Representative APR 3.1% and total payable £10,478.16 in monthly repayments of £291.06.
Lloyds Bank Existing Customer Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 4.4% p.a. (fixed). Representative APR 4.4% and total payable £10,678.68 in monthly repayments of £296.63.
Barclays Bank Existing Current Account Customer Barclayloan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 7.9% p.a. (fixed). Representative APR 7.9% and total payable £11,219.04 in monthly repayments of £311.64.
Zopa Personal Loan
Finder Award
Zopa Personal Loan
View details
Representative example: Borrow £1,500.00 over 3 years at a rate of 15.4% p.a. (fixed). Representative APR 15.4% and total payable £1,856.16 in monthly repayments of £51.56.
My Community Bank Personal Loan
Check eligibility
View details
Representative example: Borrow £6,000.00 over 4 years at a rate of 18.85% p.a. (fixed). Representative APR 18.85% and total payable £8,335.00 in monthly repayments of £173.64.
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Compare up to 4 providers

1 - 2 of 2
Name Product Total Payable Monthly Repayment Representative APR Link
118 118 Money Personal Loan
Check eligibility
View details
Representative example: Borrow £2,000.00 over 2 years at a rate of 49.9% p.a. (fixed). Representative APR 49.9% and total payable £2,967.36 in monthly repayments of £123.64.
Fintern Fintern Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 18.8% p.a. (fixed). Representative APR 18.8% and total payable £12,897.72 in monthly repayments of £358.27.
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Compare up to 4 providers

With no guarantor

1 - 1 of 1
Name Product Total Payable Monthly Repayment Representative APR Link
Likely Loans Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 59.9% p.a. (fixed). Representative APR 59.9% and total payable £19,010.16 in monthly repayments of £528.06.
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Compare up to 4 providers

With a guarantor

1 - 1 of 1
Name Product Total Payable Monthly Repayment Representative APR Link
1plus1 Loans Guarantor Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 47.8% p.a. (fixed). Representative APR 47.8% and total payable £17,259.12 in monthly repayments of £479.42.
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Compare up to 4 providers

With a guarantor who is a homeowner

1 - 1 of 1
Name Product Total Payable Monthly Repayment Representative APR Link
UK Credit Limited Unsecured Homeowner Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 26.9% p.a. (fixed). Representative APR 26.9% and total payable £14,135.04 in monthly repayments of £392.64.
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Compare up to 4 providers

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

What is Ratesetter?

When a company’s name puts two words together without a space, then there’s a good chance that it’s a fintech upstart – RateSetter is no exception.

The peer-to-peer (P2P) lender is one of a host of new, online-only platforms that form a recent trend in personal finance. These platforms match investors looking to earn bank-beating rates of interest on their savings with borrowers looking to pay as little as possible on their loan. The theory goes that by cutting out the bank in the middle (with all its expensive overheads) P2P platforms can offer market-leading rates.

Will you be approved?

Check your personalised rates and likelihood of acceptance.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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