Ratesetter is great. I have a small amount of money spread over all the different loan periods: 1 month, 1 year, 3 years and 5 years. All up I'm gettting about a 6.5% return once you include ratesetter's cut. More than double I'm getting from any banks. I like the provision fund they have which decreases the riskiness somewhat. I've been with them since March and have no complaints so far.
