Account Management

Can I refinance my loan?

Yes, it is possible to refinance your loan. However, you will need to meet certain eligibility requirements.

If you are eligible to apply for refinance you will be able to do so through your RateSetter account. Alternately please email us at contact@ratesetter.com.au for more information.

How do I close my account?

If you would like to close your account, please contact us on 1300 768 710 or send us an email at contact@ratesetter.com.au.

Please note that we are unable to delete your account because regulatory obligations require us to retain account details for up to 10 years. You can be assured that your data is stored securely in accordance with our Privacy Policy.

Can I take out more than one loan?

Yes, you can apply for a second loan through your RateSetter account provided you meet certain eligibility criteria.

Can I change to weekly or fortnightly repayments?

No, RateSetter only offers monthly repayments.

What do I do if I’m experiencing financial hardship?

If you are having trouble making your repayments, or require assistance due to financial hardship, please don’t hesitate to email us at contact@ratesetter.com.au or call us on 1300 768 710. We will be able to provide you with a financial hardship application and discuss your options.

If we approve your financial hardship application we will make a variation to your loan contract, for example by offering reduced monthly loan repayments for a period of time.

Where do I find my next repayment details?

You can view the details of your future scheduled payments at any time in your RateSetter account. Simply log in to your RateSetter account then click “Details and Payments” beside the relevant loan and then select ‘View your Payment Schedule’.

How do I view my loan contract?

To view your loan contract, log in to your RateSetter account, click “Details and Payments” next to the relevant loan, and then click “View your loan contract”.

How do I change my address?

Australian regulations require us to verify your new residential address.

Please provide a copy of one of the following documents with your name and new residential address clearly visible to contact@ratesetter.com.au:

  • A utility or phone bill
  • A bank statement or other bank notice
  • A notice from a federal or state government agency
  • Your driver licence

Documents must be dated to within the past 60 days.

How do I log in to my account?

You can log in to your account via the link in the top right corner of the RateSetter homepage. To log in, you will require the email address and password associated with your account.

If you have forgotten these, simply click the ‘Forget Your Password?‘ link and we’ll guide you through the process of resetting it.

How do I reset my password?

If you have forgotten your password, you can request a password reset.

You will receive an email to the email address associated with your RateSetter account containing a unique link. Simply follow the link within 24 hours and follow the prompts to nominate a new password.