Peer-to-peer (P2P) lending platforms bring together people wanting to invest, with borrowers that are looking for a loan, delivering better value to both. It’s as simple as that.
Investing in loans is nothing new. After all, that's how banks earn, by taking deposits from customers and lending that money to borrowers. Banks are regulated with the objective of keeping deposits safe, but this comes at a price: low returns to customers that often don’t even match inflation.
Until recently, individuals had not been able to lend directly to borrowers by investing in the loans asset class but now through RateSetter and other peer-to-peer platforms you can invest in loans and earn interest every month in the same way.
Peer-to-peer lending platforms like RateSetter are optimised to deliver value. We offer the opportunity to put your money to work, by efficiently matching investors with credit-worthy borrowers, allowing investors to directly enjoy the risk and returns.
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