A more rewarding financial world

We bring borrowers and investors together to help them achieve more with their money. It’s as simple as that.

We believe that your money should be working harder for you.

Consumer finance deserved a shake-up. Personal loans were too expensive and investment options for everyday people were few and far between. Worst of all, there was nowhere Australians could come together to get more out of their money, together.

So we stepped up.

At RateSetter, we’re creating a more efficient financial system by giving power back to the people. Through our peer-to-peer lending platform we’re able to connect those who have money to invest with those who want to borrow it, providing better value for everyone. It’s that simple.


50,032 Australians are achieving more thanks to RateSetter.

What does that look like? Over 2,500 home renovations, 1,500 holidays, 500 weddings, 200 boats and thousands of other pursuits and dreams turned real.

We empower borrowers to make thoughtful and astute decisions about their financial futures, without the penalty of pointlessly high-interest rates.

Our personal loans are fast, flexible secured or unsecured with terms from 6 months to 5 years. We reward strong credit history with great rates and terms that suit you, for borrowing amounts between $2,001 and $45,000.


A more rewarding investment for everyday Australians.

You set the rate. We do the work to match you to an investment that suits your risk appetite in a market of your choosing (sensing a theme?).

Over 20,000 investors have already joined RateSetter in order to benefit from an asset class that was previously only available to banks and have been rewarded with stable, attractive investment returns.

What’s more, our market-leading Provision Fund, established to help protect investors from loan defaults, has ensured every investor has received every amount of principal and interest when due.


A team of over 100 dedicated to making finance more rewarding.

RateSetter launched as Australia’s first true peer-to-peer lender in 2014. We are licensed to provide services to all Australians, not just wholesale and sophisticated investors.

RateSetter in Australia is an independent company, managed and majority-owned locally, although we benefit from being part of the RateSetter group.

RateSetter UK was founded in London in late 2009. It has since grown to be one of the leading peer-to-peer lenders globally, having now facilitated more than 520,000 loans totalling over $5.0 billion in value.


Ready to help us create a more efficient financial system?

Our team works all over Australia with offices in Sydney and Adelaide. We value openness and ideas more than anything else. It doesn’t matter who you are or where you sit in the business: we want your input.

If that sounds like the kind of place you want to come to work to, check out what opportunities we have coming up. When you come to work with RateSetter, your professional development will never be limited by your job title.

We’re dedicated to helping Australians do better, together.

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