Market Rates

Enjoy returns up to 7.2% p.a.with the power of peer-to-peer lending

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Market rate history

Data as at 30 April 2020. Login to view current rates.

INVESTMENT RISKS

What are the risks associated with peer to peer investing?

As with every investment, investing in the RateSetter Lending Platform is not without risk.

Borrower late payment or default

A borrower or series of borrowers to whom your funds are lent may delay or stop payment on a loan or default on a loan. You may be protected by RateSetter making a claim to the Provision Fund, however, there is no guarantee nor warranty as to any protection from the Provision Fund, and as such you may suffer financial loss as a consequence of borrower late payment or default.

No deposit guarantee

Your investment is not a deposit and does not have the benefit of depositor protection laws as it would have if it were an amount deposited with an Australian ADI.

Differences in borrower creditworthiness

Your investment may be impacted by differences in the creditworthiness of borrowers to whom your funds are matched in circumstances where lenders are not fully compensated by the Provision Fund in the event of borrower late payment or default. RateSetter performs a comprehensive borrower risk assessment and lends only to creditworthy Australian-resident individuals and businesses, however, there may be differences between the creditworthiness of borrowers to whom your funds are matched and there may be different risks and different levels of overall risk associated with loans to individuals versus loans to businesses.

”Earn up to” rate represents the last matched rate in the 5 Year Income lending market as at 6pm, 2 June 2020. Rates are not set by RateSetter and are subject to supply and demand of borrower and investor funds in each market.

^Rates shown are last matched rates, displayed on an annualised basis and net of applicable fees as at 6pm, 2 June 2020. Lender rates may assume payments received are continually reinvested at the stated rate and assume your investment is protected by the Provision Fund in the event of any borrower late payment or default, however, there is no guarantee nor warranty as to any protection from the Provision Fund. Fees apply for using early access feature. See the Product Disclosure Statement for details.

All figures stated represent the RateSetter Lending Platform only unless stated otherwise.