Loans like RateSetter

Established in 2010, RateSetter originally started as a peer-to-peer lending platform, providing swift and competitive fixed rate loans, with a maximum amount of £35,000, available online. In August 2020, Metro Bank successfully acquired RateSetter.

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:

Personal loan calculator

Table: sorted by representative APR, promoted deals first

Loans for good credit
Loans for bad credit

10 of 33 results

Finder Score	Loan amounts	Loan terms	Fee	Repayments
Finder score 8.3Great M&S Bank Personal Loan Existing Customers Only	Finder score 8.3Great	£1,000 - £30,000	1 year - 7 years	0%	£128.09 (£4,611.22 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £4,000 for 36 months at 9.9% p.a. Total £4,611.22 repayable at £128.09 per month.	Representative Example: Representative 5.7% APR fixed. Based on a loan of £10,000 for 60 months at 5.7% p.a. Total £11,476.2 repayable at £191.27 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 8.9Great HSBC Premier Loan Finder Award	Finder score 8.9Great	£1,000 - £50,000	1 year - 8 years	0%	£128.09 (£4,611.22 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £4,000 for 36 months at 9.9% p.a. Total £4,611.22 repayable at £128.09 per month.	Representative Example: Representative 5.7% APR fixed. Based on a loan of £10,000 for 60 months at 5.7% p.a. Total £11,476.29 repayable at £191.27 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 9.2Excellent Zopa Bank Personal Loan	Finder score 9.2Excellent	£1,000 - £50,000	1 year - 7 years	0%	£150.29 (£5,410.31 overall) Representative Example: Representative 22.9% APR fixed. Based on a loan of £4,000 for 36 months at 22.9% p.a. Total £5,410.31 repayable at £150.29 per month.	Representative Example: Representative 22.9% APR fixed. Based on a loan of £10,000 for 60 months at 22.9% p.a. Total £16,164 repayable at £269.4 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 8.2Great M&S Bank Personal Loan	Finder score 8.2Great	£1,000 - £30,000	1 year - 7 years	0%	£128.09 (£4,611.22 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £4,000 for 36 months at 9.9% p.a. Total £4,611.22 repayable at £128.09 per month.	Representative Example: Representative 5.7% APR fixed. Based on a loan of £10,000 for 60 months at 5.7% p.a. Total £11,476.2 repayable at £191.27 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 7.6Great HSBC Personal Loan Finder Award	Finder score 7.6Great	£1,000 - £30,000	1 year - 8 years	0%	£134.94 (£4,857.89 overall) Representative Example: Representative 13.9% APR fixed. Based on a loan of £4,000 for 36 months at 13.9% p.a. Total £4,857.89 repayable at £134.94 per month.	Representative Example: Representative 6.2% APR fixed. Based on a loan of £10,000 for 60 months at 6.2% p.a. Total £11,609.19 repayable at £193.47 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score Not yet rated AA Personal Loan Member	Finder score Not yet rated	£1,000 - £35,000	1 year - 8 years	0%	£148.42 (£5,343.05 overall) Representative Example: Representative 21.8% APR fixed. Based on a loan of £4,000 for 36 months at 21.8% p.a. Total £5,343.05 repayable at £148.42 per month.	Representative Example: Representative 6.2% APR fixed. Based on a loan of £7,500 for 60 months at 6.2% p.a. Total £8,706 repayable at £145.1 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score Not yet rated HSBC Personal Loan	Finder score Not yet rated	£1,000 - £30,000	1 year - 8 years	0%	£134.94 (£4,857.89 overall) Representative Example: Representative 13.9% APR fixed. Based on a loan of £4,000 for 36 months at 13.9% p.a. Total £4,857.89 repayable at £134.94 per month.	Representative Example: Representative 6.2% APR fixed. Based on a loan of £10,000 for 60 months at 6.2% p.a. Total £11,609.19 repayable at £193.47 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 7.4Great Santander Personal Loan Finder Award	Finder score 7.4Great	£1,000 - £25,000	1 year - 5 years	0%	£133.23 (£4,796.27 overall) Representative Example: Representative 12.9% APR fixed. Based on a loan of £4,000 for 36 months at 12.9% p.a. Total £4,796.27 repayable at £133.23 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 60 months at 6.4% p.a. Total £11,661 repayable at £194.35 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score Not yet rated John Lewis Money Personal Loan	Finder score Not yet rated	£1,000 - £50,000	1 year - 7 years	0%	£128.09 (£4,611.22 overall) Representative Example: Representative 9.9% APR fixed. Based on a loan of £4,000 for 36 months at 9.9% p.a. Total £4,611.22 repayable at £128.09 per month.	Representative Example: Representative 9.9% APR fixed. Based on a loan of £10,000 for 60 months at 9.9% p.a. Total £12,594.46 repayable at £209.91 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 7.4Great Admiral Personal Loan	Finder score 7.4Great	£1,000 - £40,000	1 year - 8 years	0%	£133.23 (£4,796.27 overall) Representative Example: Representative 12.9% APR fixed. Based on a loan of £4,000 for 36 months at 12.9% p.a. Total £4,796.27 repayable at £133.23 per month.	Representative Example: Representative 12.9% APR fixed. Based on a loan of £10,000 for 60 months at 12.19% p.a. Total £13,405.8 repayable at £223.43 per month.	Check eligibility View details Compare product selectionCompare	loading

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Showing 10 of 10 results

Finder Score for unsecured loans

To make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

15 of 18 results

Finder Score	Loan amounts	Loan terms	Fee	Repayments
Finder score 8Great Lendable Personal Loan	Finder score 8Great	£1,000 - £25,000	1 year - 5 years	3%	£155.84 (£5,610.37 overall) Representative Example: Representative 23.8% APR fixed. Based on a loan of £4,000 and £120 arrangement fee for 36 months at 23.5% p.a. Total £5,610.37 repayable at £155.84 per month.	Representative Example: Representative 23.8% APR fixed. Based on a loan of £7,500 and £465 arrangement fee for 36 months at 18.6% p.a. Total £10,242.72 repayable at £284.52 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 6.4Standard Novuna Personal Loan	Finder score 6.4Standard	£1,000 - £35,000	2 years - 7 years	0%	£128.78 (£4,635.90 overall) Representative Example: Representative 10.3% APR fixed. Based on a loan of £4,000 for 36 months at 10.3% p.a. Total £4,635.9 repayable at £128.78 per month.	Representative Example: Representative 6.7% APR fixed. Based on a loan of £7,500 for 60 months at 6.7% p.a. Total £8,805.6 repayable at £146.76 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 7.5Great Shawbrook Bank Personal Loan	Finder score 7.5Great	£1,000 - £50,000	1 year - 7 years	0%	£135.28 (£4,870.21 overall) Representative Example: Representative 14.1% APR fixed. Based on a loan of £4,000 for 36 months at 14.1% p.a. Total £4,870.21 repayable at £135.28 per month.	Representative Example: Representative 14.1% APR fixed. Based on a loan of £10,000 for 60 months at 14.1% p.a. Total £13,732.84 repayable at £228.88 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 5.5Standard Plata Personal Loan	Finder score 5.5Standard	£2,000 - £25,000	1 year - 5 years	0%	£136.65 (£4,919.47 overall) Representative Example: Representative 14.9% APR fixed. Based on a loan of £4,000 for 36 months at 14.9% p.a. Total £4,919.47 repayable at £136.65 per month.	Representative Example: Representative 14.9% APR fixed. Based on a loan of £6,000 for 36 months at 13.97% p.a. Total £7,379.22 repayable at £204.98 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 6.4Standard Fluro Personal Loan	Finder score 6.4Standard	£1,000 - £25,000	1 year - 5 years	From £250 – £250	£146.83 (£5,285.79 overall) Representative Example: Representative 17.9% APR fixed. Based on a loan of £4,000 and £250 arrangement fee for 36 months at 15.8% p.a. Total £5,285.79 repayable at £146.83 per month.	Representative Example: Representative 17.9% APR fixed. Based on a loan of £7,500 and £250 arrangement fee for 48 months at 15.8% p.a. Total £10,309.78 repayable at £214.79 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 6.3Standard Abound Personal Loan Finder Award	Finder score 6.3Standard	£2,000 - £12,000	1 year - 5 years	From £100 – £100	N/A	Representative Example: Representative 21.8% APR fixed. Based on a loan of £5,000 and £250 arrangement fee for 36 months at 17.7% p.a. Total £6,693.12 repayable at £185.92 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 6.2Standard Oakbrook Loans Personal Loan	Finder score 6.2Standard	£1,000 - £15,000	1 year - 5 years	0%	£153.68 (£5,532.38 overall) Representative Example: Representative 24.9% APR fixed. Based on a loan of £4,000 for 36 months at 24.9% p.a. Total £5,532.38 repayable at £153.68 per month.	Representative Example: Representative 24.9% APR fixed. Based on a loan of £10,000 for 48 months at 24.9% p.a. Total £15,246.76 repayable at £317.64 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 7.5Great Norwich Trust Personal Loan	Finder score 7.5Great	£3,000 - £20,000	3 years - 10 years	From £199 – £199	N/A	Representative Example: Representative 34.9% APR fixed. Based on a loan of £13,000 and £199 arrangement fee for 66 months at 29.56% p.a. Total £26,848.14 repayable at £406.79 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 5.7Standard Finio Loans Personal Loan	Finder score 5.7Standard	£500 - £5,000	1 year - 3 years	0%	£178.80 (£6,436.79 overall) Representative Example: Representative 39.9% APR fixed. Based on a loan of £4,000 for 36 months at 39.9% p.a. Total £6,436.79 repayable at £178.8 per month.	Representative Example: Representative 39.9% APR fixed. Based on a loan of £2,000 for 24 months at 39.9% p.a. Total £2,785.68 repayable at £116.07 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 5Standard Loans by Mal Personal Loan	Finder score 5Standard	£1,000 - £5,000	1 year - 3 years	0%	£194.70 (£7,009.03 overall) Representative Example: Representative 49.6% APR fixed. Based on a loan of £4,000 for 36 months at 49.6% p.a. Total £7,009.03 repayable at £194.7 per month.	Representative Example: Representative 49.6% APR fixed. Based on a loan of £2,500 for 24 months at 24.1% p.a. Total £3,705.12 repayable at £154.38 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 6.3Standard Bamboo Personal Loan	Finder score 6.3Standard	£2,000 - £15,000	1 year - 5 years	0%	£194.86 (£7,014.87 overall) Representative Example: Representative 49.7% APR fixed. Based on a loan of £4,000 for 36 months at 49.7% p.a. Total £7,014.87 repayable at £194.86 per month.	Representative Example: Representative 49.7% APR fixed. Based on a loan of £3,000 for 30 months at 41% p.a. Total £4,842.46 repayable at £161.42 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 6.1Standard 118 118 Money Personal Loan	Finder score 6.1Standard	£1,000 - £8,000	1 year - 5 years	0%	£195.18 (£7,026.55 overall) Representative Example: Representative 49.9% APR fixed. Based on a loan of £4,000 for 36 months at 49.9% p.a. Total £7,026.55 repayable at £195.18 per month.	Representative Example: Representative 49.9% APR fixed. Based on a loan of £2,000 for 24 months at 41.2% p.a. Total £2,967.43 repayable at £123.64 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 6.4Standard Guarantormyloan Guarantor Loan	Finder score 6.4Standard	£2,000 - £12,500	1 year - 5 years	0%	£195.18 (£7,026.55 overall) Representative Example: Representative 49.9% APR fixed. Based on a loan of £4,000 for 36 months at 49.9% p.a. Total £7,026.55 repayable at £195.18 per month.	Representative Example: Representative 49.9% APR fixed. Based on a loan of £5,000 for 36 months at 49.9% p.a. Total £8,783.28 repayable at £243.98 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score Not yet rated Munzee Personal Loan	Finder score Not yet rated	£1,000 - £5,000	2 years - 2 years	0%	N/A	Representative Example: Representative 77.3% APR fixed. Based on a loan of £3,000 for 24 months at 36% p.a. Total £5,160 repayable at £215 per month.	Check eligibility View details Compare product selectionCompare	loading
Finder score 5Standard Salad Personal Loan	Finder score 5Standard	£300 - £2,000	6 months - 2 years	0%	N/A	Representative Example: Representative 79.5% APR fixed. Based on a loan of £1,000 for 18 months at 59.97% p.a. Total £1,562.58 repayable at £86.81 per month.	Check eligibility View details Compare product selectionCompare	loading

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Showing 15 of 15 results

Finder Score for unsecured loans

To make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

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.

Compare Ratesetter alternatives

Table: sorted by representative APR, promoted deals first

1 of 3 results

Finder Score	Loan amounts	Loan terms	Fee	Repayments
Finder score 6.4Standard Guarantormyloan Guarantor Loan	Finder score 6.4Standard	£2,000 - £12,500	1 year - 5 years	0%	£195.18 (£7,026.55 overall) Representative Example: Representative 49.9% APR fixed. Based on a loan of £4,000 for 36 months at 49.9% p.a. Total £7,026.55 repayable at £195.18 per month.	Representative Example: Representative 49.9% APR fixed. Based on a loan of £5,000 for 36 months at 49.9% p.a. Total £8,783.28 repayable at £243.98 per month.	Check eligibility View details Compare product selectionCompare	loading

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Showing 1 of 1 result

Finder Score for unsecured loans

To make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

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

Late repayments can cause you serious money problems. See our debt help guides.

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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.

Thank you for your feedback!

Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Chris has written 519 Finder guides across topics including:

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Loans like RateSetter

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

Personal loan calculator

Finder Score for unsecured loans

Finder Score for unsecured loans

What is Ratesetter?

Compare Ratesetter alternatives

Finder Score for unsecured loans

Chris Lilly

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