Benefits of peer to peer lending with RateSetter

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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