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Ratesetter Loans

One way of cutting the cost of your loan is to cut out the middleman. That's where Ratesetter comes in! With Rate Setter you are borrowing from other ordinary people just like you who have a bit of spare cash that they can lend out. So the beauty is that You both win - the lender gets a better rate of interest than they would if they just put their money in the bank and the borrower gets a lower rate of interest. All because you've cut out the middleman with Ratesetter. What Betfair did with betting in enabling punters to effectively bet against eachother, Ratesetter is doing with loans in enabling people to borrow from one another.

Peer to peer lending rates from Ratesetter are typically between 7% and 11% APR.

It's simple - decide how much to borrow - decide the term - see what rates are on offer and either accept or decline the offers that are available. Peer to peer lenders who may offer you a loan include Zopa and Ratesetter.

2021 update. Ratesetter no longer are a peer to peer lending business having been acquired by metro bank.