Ratesetter - 1 Year Term

Product Description

Your money will be invested in loans up to one year. Your capital and interest will be repaid at maturity.

Expected Savings & Interest

Investment Amount Interest Rate Est. Annual Interest
£5,000 3.5% * £175.00

How is the risk minimised?

RateSetter manages the risk of people defaulting in two ways.

First, they are very cautious about who they lend to and very carefully credit check and select who is allowed to borrow through RateSetter.

Secondly, they manage risk via the Provision Fund, which is a pot of money, funded by Borrowers which compensates Lenders in the case of a late payment of a default on a loan. It is important to understand that the Provision Fund is not a guarantee and your capital is at risk.


Key Data

  • Who chooses borrowers? Automatic Diversification
  • Investment secured on Property, Business Loans, Personal Loans
  • FCA Regulated?
  • Provider Pays First Loss?
  • Fraud checks?
  • Credit checks?
Invest with Ratesetter

1 Year Term

  • Potential Return:

       3.5%*
  • Term:

      0 - 1 years
  • Min. investment:

       £10
  • Secured on:

       Property, Business Loans, Personal Loans
  • Provision Fund:

       Yes
  • Early exit:

       Yes

Gross annualised rate, paid on maturity


Your capital is at risk if you lend to businesses. Peer to peer lending is not protected by the Financial Services Compensation Scheme. Please read our full risk warning here.