Strong, attractive investment returns
Helping you achieve more with your money through peer-to-peer lending
$600M+
Total loans funded
20,000+
Registered investors
$40M+
Interest earned
100%
Principal and interest
returned as due
INVESTMENT PERFORMANCE
Access a stable asset class with generous returns
Historically, only banks and institutions have enjoyed the strong returns that investing in consumer credit can deliver. With RateSetter, investors can now access this established asset class and start earning attractive returns.
** Annualised asset class returns as reported by Morningstar for the 5 year period to 31 December 2019. RateSetter data not provided by Morningstar. Please see below for a full explanation of how the asset class and RateSetter returns are calculated. Warning: Past performance is not a reliable indicator of future performance. Different investments reflect substantially different risk profiles.
MARKET RATE HISTORY
Our investors have been enjoying attractive, stable returns for years
Data as at 31 December 2019. Login to view current rates.
RISK PERFORMANCE
Protecting your investment with the unique Provision Fund
A combination of our stringent credit criteria and consistent growth of the Provision Fund has ensured that investors have received every cent of principal and interest due from investing in our portfolio of personal loans.
Provision Fund buffer
Data as at 31 December 2019
Attractive rates for investors over the short and long term
Check out the last matched rates across our four investment markets and start investing today.
5 Year Income
7.4%
Repayments: Monthly
Early access feature: Yes
Provision Fund protection: Yes
1 Month Rolling
3.5%
Repayments: Monthly
Access funds: At term
Provision Fund protection: Yes
3 Year Income
4.0%
Repayments: Monthly
Early access feature: Yes
Provision Fund protection: Yes
National Clean Energy
6.0%
Repayments: Monthly
Early access feature: Yes
Provision Fund protection: Yes
Warning: Past performance is not a reliable indicator of future performance.
Provision Fund is not a guarantee, capital at risk. Read more about our Provision Fund.
** RateSetter 5 year performance represents average matched rate in the 5 Year Income market from 1 January 2015 to 31 December 2019. Other asset class returns based on the average performance of funds in each category as reported by Morningstar for the 5 year period to 31 December 2019. Data gathered from the following Morningstar categories: Australian Cash: AUS, Bond – Australia: AUS, Diversified Credit: AUS, Australian Equities Large Blend Different investments reflect different risk profiles. All figures stated represent the RateSetter Lending Platform only unless stated otherwise.