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Reviews

4.6

46 reviews
5
(35)
4
(8)
3
(0)
2
(1)
1
(2)
  • Transparency
    4.5 (17)
  • Customer Service
    4.5 (20)
  • Loan TypeFixed Rate (17) · Variable Rate (3)
  • Application Process
    4.3 (21)
  • Timeliness
    4.2 (21)
  • Loan Term4.5 years (13)
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Interest rate advertisement is a joke

published

I had recently paid off a 20,000 dollar loan at 9,5 % with RateSetter in half the time, after which I received numerous emails inviting me to borrow again, at interest rates as low as 4.5%. Finally wanting a updated car, I reapplied seeking there personalized low rate expecting better than the 6.5% offered by the car yards finance, and after the online rate was not given when I applied, was told by the RateSetter's rep the interest rate would be 18%. With repayments around $850 pm, after telling him the other offer he suddenly found a rate of 13 pc (you have to question the motivation) but still a hundred more a month than the car yard. Not good by a country mile.



Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
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2 comments
RateSetter
Steph P.RateSetter
frank harrison
frank harrison
Dabuek

DabuekSydney, NSW

  • 6 reviews
  • 10 likes

Currently on my second loan with RateSetter, can't fault the service!

published
Customer Service
Application Process
Timeliness
  • Verified customer

Brilliant and exceptional

published

I was so taken by the professionalism of Kirsten Waldron, and enthusiastic approach in guiding me through the whole process in finding a settlement for me to agree to sign. I am very much appreciated of her work ethic and equally appreciated that I can now buy a car with loan. Hi

Review collected in partnership with RateSetter

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  • Verified customer

Professional and prompt

published

A great experience, hassle free and very competitive. Undercut the normal car loan rate offered by dealerships significantly! a very quick service. Thank you Savvy and Ratesetter and the representative who helped me

Review collected in partnership with RateSetter

Stef

StefBrisbane

  • 2 reviews
  • Verified customer

Excellent financial option better than my bank

published

Basically my bank of 30 years was uninterested in assisting us for car loan and rate was ridiculous rate setter through stratton broker was awesome Fabulous and easy with best interest rates around fixed rates no penalties to pay off early did all the paperwork online from my hospital bed basically so easy

Review collected in partnership with RateSetter

  • Verified customer

Perfect smooth transaction

published

I had got my loan using Stratton through Rate setter. Both companies were very professional and couldn’t of helped further.
Lovely smooth loan application and car purchase.
Thanks

Review collected in partnership with RateSetter

  • Verified customer

frofessional car loan

published

I did my car loan through loan solutions wich he's charged me 2500 dollars . I didn't know rate setter from online otherwise I will do my loan directly from your company with 700 dollars application fees only. much better than intermidiate cost me 2500 dollars. anyway I'm happy with your company and I would like to see your company online like others company.
thank you.

Review collected in partnership with RateSetter

Chris Masiero

Chris MasieroMelbourne

  • 7 reviews
  • Verified customer

Very very good

published

I hunted around everywhere to arrange financing for the balloon residual on my car loan. I could not get any decent rates on personal loans for it, and the existing finance wouldn't budge from what I considered far too high rates.

RateSetter provided BY A VERY LONG WAY the best rates. I get text msged every month on the current rate before it comes out. Rate setters variable rates from its market system basically meant that I would be able to pay off a loan for the residual in 2 years for the same amount per month as 3 years on the other personal loans. Fantastic.

Review collected in partnership with RateSetter

Charles

CharlesPerth, WA

  • 2 reviews
  • Verified customer

Great experience

published

Great outcome hassle free process i'll have no hesitation in recommending ratesetter to my workmates and friends family and anyone.

August 16th 2022 Update: Second time around

Secured a substantial ratesetter loan last year at a very attractive rate had just paid over 1/2 back then the car needed replacing so refinanced with no trouble quick easy just like the 1st time

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
See all answers

Review collected in partnership with RateSetter

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  • Verified customer

Perfect, efficient, everything was organised within 5 days

published

The team at RateSetter was punctual, kept me in the loop, up front about fees and rates and ended up getting a lower than advertised rate for more than I was expecting. They handled everything in a professional manner, answered emails on time and did a great job. Better rate than my bank, secured my dream car which is older than your standard secured loan and some extra money to boot. I can’t recommend these guys enough. Thank you!

Review collected in partnership with RateSetter

  • Verified customer

Simple and effective

published

Simple and easy process, great service and great rates. Highly recommend them for anyone who is looking for a car loan

Review collected in partnership with RateSetter

  • Verified customer

Exceeded expectations! Will get all my future loans!

published

Application to account deposit in under 24 hrs! Nick achieved the unachievable to get me paid in 3 hours so I could buy my car that day. Total repayments saved me $300 from the best that my bank could offer! These guys will get all my family’s future loan needs!

Review collected in partnership with RateSetter

Slim

SlimGympie

  • Verified customer

Excellent Service

published

Excellent customer service, quick approval and wasn't a hassle to deal with at all from start to finish.
5 stars.

June 5th 2018 Update: Quick, Easy, Simple and Approved

Applied online, easy process didn't even have to talk to anybody to get approval, approved quickly last step was getting the car dealer to send through the paper work picked my car up 2 days later. Too easy thanks heap ratesetter.

Review collected in partnership with RateSetter

Cats Fan

Cats FanMelbourne

  • Verified customer

High fees not disclosed up front

published

Review collected in partnership with RateSetter

Scotchef

ScotchefCairns

  • Verified customer

Hassle free loan

published

I was seeking a car loan and my bank was not very helpful.Ratesetter reviewed and approved my loan very quickly and with absolutely no problems.The rate I received was also significantly less than the major banks
I did enter some of my details incorrectly and customer service corrected them quickly and it was a pleasure to talk to an Australian.
I would definitely use this company again should i need any further financial help.

Review collected in partnership with RateSetter

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Noelz

Noelzmelbourne

  • 4 reviews
  • 4 likes

Life Saver!!

published

So grateful we were able to be given the chance to finance our first car here in Australia. We were in a desperate situation to find a car before the end of the month and out of all the companies that declined our application because we've only been in the country for less than 6 months, rate setter stepped in.

Amazing and prompt service. would highly recommend. Thank you.

Olivia

Olivia

  • 2 reviews
  • 1 like
  • Verified customer

Excellent service and rates. Highly recommend them!

published

I went through ratesetter to finance a car and I can honestly say they service they provide is amazing! I had a woman who helped me through the entire process and explained anything I didn't understand. She went above and beyond to ensure I was able to finance my new car and get it as soon as possible. They are clear about the fees involved and offer excellent interest rates with no hidden costs. I'm very happy with ratesetter and would highly recommend their services!

Review collected in partnership with RateSetter

Really good and handy on line

published

Really good communication. Kept up to date on what was happening. Very easy on line application and being so quick I got the car I was after. Thank you Stephanie

Straightforward, fair, personal service

published

The end to end process of getting a relatively small unsecured loan has been quick, clear and easy. I was able to borrow an amount to finance a car purchase and have been very impressed with the rates and service on offer, particularly the no early repayment charges. Every adviser I have spoken to has been informed and professional, and I am very impressed it has all been agreed and implemented in under a week. Very pleased, would recommend to anyone.

Simple, Easy and Great Response Time

published

Got my first ever loan for a car through these guys. Knowing next to nothing coming in they were super helpful, always contactable and friendly through the whole process and got me a great deal in super quick time. Highly recommend giving them a go.

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