Attractive, stable returns

With more lenders and borrowers than any other platform, RateSetter is Australia's leading peer-to-peer lender. We connect investors who want an attractive return with creditworthy individuals and businesses who want a simple, competitive loan.

Cleaner, greener returns: our National Clean Energy lending market

Learn more

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

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


^^^ Provision Fund buffer is the sum of money in the Provision Fund and expected Future Provision Fund inflows. Click here for a detailed overview of the Provision Fund.

Start earning today

  1. 1

    Register online

    Before you invest, you should read our Product Disclosure Statement

    10 minutes
  2. 2

    Transfer in funds

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

    Up to one business day
  3. 3

    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

  4. 4

    Start earning

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

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

An unrivalled track record


Value of personal loans funded


Everyday Australian investors


Capital and interest returned as due

What RateSetter lenders say

RateSetters don't stand for anything less than outstanding. If you have any comments, good or bad, let us know.

"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?

Register now
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