Ratesetter - Rolling market

Product Description

Your money will be invested in loan terms between 6 months and 5 years where your loans are continually repaid and reinvested at the rolling market rate.

Expected Savings & Interest

Investment Amount Interest Rate Est. Annual Interest
£5,000 2.9% * £145.00

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, 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?
  • Property Surveyed?
Invest with Ratesetter

Rolling market

  • Potential Return:

       2.9%*
  • Term:

      6 - 5 months
  • Min. investment:

       £10
  • Secured on:

       Property, Business Loans, Personal Loans
  • Provision Fund:

       Yes
  • Early exit:

       Yes

Assumes funds are reinvested. Gross annualised rate, paid on withdrawal


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.