RateSetter Legal Finance

Australia's leading provider of specialist loans for divorce and separation

Key features

We believe all Australians deserve to be treated fairly.  That’s why our expert legal team help clients like you pay their preferred lawyer’s bills with fast, fair and low-cost legal loans.  We help clients obtain a fair outcome in their family law matter by providing responsible and affordable access to finance, so lawyers can be paid on time while removing the burden on firms who carry fees.

  • A trusted partner

    Our dedicated team of family lawyers work with you and your lawyer to prepare the right loan for your individual circumstances and case.

  • Fast and fair

    Access the legal representation you need now to get outcome you deserve, with no repayment until your matter settles

  • Low cost and simple

    Low rates, no interest on undrawn funds, and no early repayment penalties

  • Specialist legal loans

    Loans designed for family law matters and underwritten by lawyers who understand the legal process

Borrower application process

  1. 1

    Apply (you)

    Borrowers complete the online application form.

  2. 2

    Case review (your lawyer and us)

    With your permission, we speak to your lawyer about your case. We conduct a legal review, and ensure we meet responsible lending obligations

  3. 3

    Decision (us)

    If approved, you’ll receive loan documents to be signed and returned, containing all the information you need to know about your loan

  4. 4


    Funds will be paid directly to your lawyer after invoices are issued and approved by you

Save time before applying by making sure:
  • You are aged 21 or over
  • You are an Australian citizen or permanent resident, or a New Zealand citizen
  • You are represented by an accredited law firm
  • You have a good credit history

Questions? We are here to help

Download guide for borrowers

Give us a call on 1300 861 410 or email legalfinance@ratesetter.com.au

Apply here

All information you provide is held in strict confidence and subject to our privacy policy.

For lawyers

For your clients to send us a loan application,
we first need a relationship with your firm

Download the Guide for Lawyers, which contains further information

Commence accreditation process     Commence lawyer case summary

Australia's most loved lender

RateSetter is rated 4.8 / 5 by our borrowers on independent review website ProductReview.com.au. RateSetter offers the highest rated personal loan in Australia.


Awards 2018


"Knowing I don't need to make any repayments until my divorce matter settles has removed a huge stress from what is already a stressful situation."

Sam Brisbane

"Ratesetter has enabled clients of Gordon & Barry to continue to access legal services at complex times of their lives. We have no hesitation in recommending RateSetter to clients who need it."

David (Lawyer) Sydney
David (Lawyer)

"As a lawyer, having my fees paid on time allows me to focus on providing accurate and timely advice to my clients."

Peter (Lawyer) Melbourne
Peter (Lawyer)
Sydney Morning Herald - Borrowers

"Watch out big banks, here comes RateSetter"

News - Borrowers

"RateSetter may be about to revolutionise the unsecured credit sector in the same way Aussie and Wizard rocked the mortgage market in the 1990s"


Helping Australians finance legal fees

30,000+ delighted borrowers


Value of personal loans funded

Standard term for a RateSetter Legal Loan is 24 months. No repayments are required until settlement of your legal matter or the end of the 24-month term.

For a 24-month, $100,000 loan for a borrower with a good credit history and sound legal matter, the maximum estimated total borrowing cost (including all fees, charges, interest and other costs) is $23,786.45 at the end of two years, in addition to the funds borrowed. There are no early repayment penalties or fees, so loans which are repaid before term will have a lower cost.

Every legal loan is different, as each family law matter is unique. Costs to borrowers are likely to change depending on the amount borrowed, the term of the loan, and the nature of the drawdowns. Rates are also subject to change. RateSetter credit criteria and terms and conditions apply. Pricing accurate as of 17/05/2018. 
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