Attractive, stable returns

The Wealth Guy and RateSetter, Australia's leading peer-to-peer lender have partnered to offer you stable, attractive returns. RateSetter connects investors who want a better return on their money with creditworthy individuals and businesses who want a simple, competitive loan.

Become a lender and receive a bonus $100

Exclusive bonus for The Wealth Guy readers

The Wealth GuyRegister and lend $1,000 or more in either the 3 Year or 5 Year Income lending market and we’ll give you a bonus $100*. T&Cs apply

Become a lender

An unrivalled track record


Value of personal loans funded


Everyday Australian investors


Capital and interest returned as due

RateSetters get more than a trickle by avoiding the mainstream

We think Australian investors should get more and borrowers should pay less, so we cut the costs and inefficiencies of traditional financial institutions.

  • Unrivalled track record

    The RateSetter group is one of the world's largest peer-to-peer lenders

    Why lend with RateSetter?

  • Provision Fund protection

    Our Provision Fund is designed to help protect lenders from any loss

    Learn about the Provision Fund

  • Flexible lending options

    Start with just $10, and terms between 1 month and 5 years          

    Read our FAQs

  • For all Australians

    All retail investors, including SMSF trusts, can lend with RateSetter

    Learn about us

Provision Fund protection

100% capital and interest returned to lenders as due

The Provision Fund is a pool of money funded by borrowers and held on trust to help protect lenders from late payment or default. Thanks to the Provision Fund no individual RateSetter lender has lost a cent of principal or interest due, but the Provision Fund is not a guarantee nor an insurance product, and your capital is at risk.

Provision Fund statistics


Provision Fund buffer^^^


Capital and interest returned as due

Exclusive bonus for The Wealth Guy readers

  1. 1

    Start earning

    Borrower payments are made to your holding account or are automatically reinvested according to your reinvestment settings

  2. 2

    Select a term and a rate

    Select an indicative lending term (from 1 Month to 5 Years) and the rate you'd like to earn

  3. 3

    Transfer in funds

    Transfer in as little as $10 by BPAY or bank transfer

    Up to one business day
  4. 4

    Register online

    Before you invest, you should read our Product Disclosure Statement

    10 minutes
Start earning with just $10
  • Register to lend online in 10 minutes
  • Australian resident individuals, companies, and SMSF trusts can lend with RateSetter
  • Join thousands of everyday Australian investors
  • Register and lend $1,000 or more in the 3 Year or 5 Year Income lending markets and we’ll give you a bonus $100*

Loved by investors

With more lenders than any other platform, and a rating of 4.8 / 5 by borrowers and lenders on, RateSetter is Australia’s most loved peer-to-peer lender.

"Have been lending with RateSetter for a year now. The returns are great and the transparency is even better. Great service."

Sam Sydney

"I would recommend RateSetter to anyone seeking good returns and who can feel comfortable with reasonable risk."

Roger Castle Hill

"The bottom line is that I am happy with the service and would recommend it to others who are wanting to lend money"

Mark Sydney
AFR - Lenders

"To mitigate against risks of borrower defaults, RateSetter will have a Provision Fund"

The Australian - Lenders

"RateSetter’s online matching system between lenders and borrowers can offer investors higher interest rates than banks and borrowers lower rates"


Ready to become a RateSetter? Start today to claim your $100 bonus

Register now
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