to enable javascript . for instructions on how to enable javascript in your browser click here . invest the everyday account isa self invested personal pension sipp borrow personal loans business finance property finance about us what is ratesetter market data our partners press blog faq login contact blog menu contact blog login menu contact register login make today pay people with money to invest want access to risk and reward . households and businesses want attractive loans . we match them up and help everyone get what they are looking for . earn up to 5.4 % capital at risk 5 year average pre tax assumes reinvestment and no early repayment . start investing or borrow from 3.9 % representative apr aprs subject to status . get a quote for a personal or business loan . get a loan personalloan businessfinance propertyfinance investor 100 welcome bonus why invest with us invest why borrow with us borrow youset the rate we don t set the rates our customers do . ratesetter is a marketplace where the rates are set by investors and borrowers . it just seems fairer that way and customers love it too top awards and98 % satisfaction since launching in 2010 we ve won over 20 top awards such as from the ft and investors chronicle.which readers chose us as their favourite platform and with a 98 % satisfaction score our customers agree . no customer has everlost a penny ratesetters have lent 1 483 009 056 without a penny lost . past performance is not a guarantee of the future . however it s a track record we go out of our way to maintain . learn more start investing how ratesetter works total invested by ratesetters 1 483 009 056 total lost by ratesetters 0 past performance is not a guarantee of the future . however it s a record we re particularly proud of . how to start investing amount decide how much you want to invest . the average amount lent by our investors is 21 299 but you can invest as much or as little as you like . product decide which market you want to invest in from the rolling to the 5 year . rate select either the current market rate or set your own rate . invest once you are happy invest your money and we take care of the rest . learn more start investing personal loans get a personal loan up to 25 000 . following approval through our fast online application the money can be with you within 24 hours . borrow business finance we are specialists in business loans that are fast flexible and fair . with loans up to 1m over a range of terms ratesetter business lending could help your business . learn more property finance ratesetter property development finance is built on quick decisions and zero advance completion fees . see if we can help with loans from 500k to 3.5 m. learn more why take a loan with us fast our simple application process means that once approved you can get the funds into your account without delay . flexible you can pay back some or all of your loan at any time without early repayment fees . great rates by cutting out the costs of the traditional high street we can offer a great rate . learn more borrow how to get a personal loan quote see how much you can borrow and what it will cost at no obligation and without affecting your credit score . application simply complete our full application form which takes no longer than 5 minutes for a quick decision . decision we ll provide a decision within 24 hours and it could be immediate . money once approved you can have the money in your account within 24 hours . learn more borrow privacy policy cookies terms of use complaints procedure p2p lending press ratesetter is authorised and regulated by the financial conduct authority ref . 633741 . ratesetter is a trading name for retail money market limited company no. 7075792 and our offices are at 55 bishopsgate london ec2n 3as . loans are subject to status and affordability the rate and fee you pay will depend on your credit profile . over 18s only ratesetter 2010 2016 . all rights reserved .