Ratesetter from an investors viewpoint. I have invested with multiple peer to peer lending sites, and I have to say Ratesetter sits proudly at number one spot on my list. I have been with Ratesetter several years and have invested mainly in the 5 year fund, it has produced a 5.5% return so far which I am very happy with. The substantial provision fund also provides peace of mind. As an added bonus Ratesetter offers a great referral scheme, if you invest £1000 for a year you will receive a very impressive £100 bonus if you abide by Ratesetter's terms and conditions.

Changed my bank details back in Nov 2014, they are still trying to take from my old bank leaving me with £35 charges a time after speaking and emailing them 7 times! Maybe the worst service in the banking industry!!

I call the helpline with an enquiry, the first gentleman was completely uninterested and unhelpful from which i gained no information. Not to be put off i called again, this time a pleasant lady answered but couldn't navigate the web site-i had to show her from my laptop!! extremely poor service! i won't be investing

I asked for a loan of £8500 and was shocked when I was quoted a £1000 fee and 12% apr after applying. Thankfully I was refused and managed to get the same loan at 4.9% and fee free with my bank and the money in my account within 24 hours, will not be trying p2p lenders again.

A very quick, professional, simple & efficient way of getting a loan. Great staff with friendly , helpful advice. Could not ask for more..........Brilliant.

The whole process from start to finish was fantastic. I received an excellent service with a great rate. I will definately be recommending ratesetter to friends and family

When emergencies arise (like my irreparable bolero) its was great to discover Ratesetter, Simple to use, highly efficient response. Great manner and attitude of staff and a price that was right.

The loan was easy to arrange, and following a quick phone conversation was in my account almost immediately. It was also easy to settle the loan a few months later without any fuss or hassle. No problems at all throughout the whole process, so I could definitely recommend and would use again.

I used Ratesetter for a car loan and the service was fantatstic. I love the fact that individuals are being rewarded rather than Banks in terms of a return for their savings. The application process was simple and the loan was approved within 24 hrs after a short call to verify a few details. Keep up the good work !

Was recommended to this site by Experian Credit Expert as I was concerned that a refusal would affect my credit rating - although I have a high rating of 999 with Experian I am very careful on these issues. I fully understand that the interest rate goes down the more you borrow, so I was pleased to get agreement on a small loan at such a competitive rate. Very simple procedure to follow with a decision in minutes and transfer of funds to my account within 24 hours so I can get down quickly to the garage and haggle about car prices !!!

Fast, easy and a good rate. Why are they not all like this. No long waits for calls ect... Zero to complain about, not the usual financial service. For the first time ever, i recommend this financial service.

I found this loan on line on a compare site. It was very quick and simple to apply and the loan was approved immediately. I am extremely happy with the loan amount, the monthly repayments and the overall interest that was included. I would strongly recommend to others.

I found RateSetter through the usual price comparison websites. The process was very simple and took minutes to complete. There is also a very handy upfront soft credit check which lets you know the likelihood of being accepted without recording a hard search on your credit file. This is a very good feature and played an important role in my selecting RateSetter to borrow from. If there is one aspect that could have been better, I would have preferred my actual interest rate to be close to the representative rate especially as I have what I consider to be a very good credit rating. Overall though RateSetter is very good and I would use it again and recommend to family and friends.

Loan application was simple and straightforward. No fuss.

I have to say this is the first time I have ever used this company and I have received excellent service. It was all completed quickly and painlessly. Thank you

Its a long time since I have received service of this standard from any business such as this! Clearly they both, wanted to help as well as wanting the business. They even rang me back when they said they would and showed a willingness and patience to answer the questions that I asked even though some were repeated. What was to like about the service that I received? Everything! What was there to dislike? Try as I might, there was absolutely nothing that I could think to dislike!

What a service, it's taken 4 hours to apply and be accepted for the loan, this was after being rejected by a high street bank....who might I add, offered a higher rate of interest!!! Made up!! Thank you rate setter, I'm now £500 a month better off!!