Rating based on 88 reviews


  • Short-term loans up to $45,000
  • Low-interest starting from 9.29%
  • Repayment up to 5 years

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Author RateSetter. Screenshot of RateSetter website.
[Accessed March 15, 2023]

About RateSetter

If you choose RateSetter to assist you with your monetary needs, you're in for surprise and enchant.

When it comes to your monetary needs, they aim to make it as simple as tap, swipe and click. An award-winning service provider that takes the time to get to know you for them to offer you a much better rate and a reasonable solution for your needs and budget.

Put your trust in RateSetter, a high-performance group with around 28 awards within the last six years. You will encounter a really fast lending process, fueled by advanced technology. Rest assured that they will only ever loan you what they think you can comfortably afford. With them, you'll be able to also earn appealing returns of up to 6.5% if you are a financially sound borrower.

Getting a short-term loan from RateSetter

Save time, money, and hassle with them. They make the borrowing process seamless through smarter, fairer decisions. They have more than $1 billion in Aussie loans that are similar to what you're after- so chances are they have something that's just right for you.

With their low-interest loans, you can get anything you want to be done sooner. Apply today and they will make your tomorrow happen today. Get where you want to be faster, whether it is a designer kitchen or a new set of wheels, they are ready to assist you with your big ideas.

RateSetter Services

Whether you need to renovate, pay bills, arrange an unsuspected funeral or furnish your home, they’ve got you covered.

Over 17,000 families have gone green through RateSetter assisting with $120m+ in solar and home battery loans for example. Their short-term loan rates start at 6.39% per annum. You can get your rate in 1 minute and your funds in 24 hours from approval. There’s no one-size-fits-all when it comes to a short-term loan. Because of this, we have built our products to be flexible.

Low-cost and flexible loans

Obtain a personal loan at a low-interest rate and realize your dreams. Borrowing amounts between $5,000 and $50,000 can be repaid between one and seven years.

Car loans 

Take advantage of low-rate car loans starting at as little as 4.89% per annum. Borrow $2,001 to $100,000 and pay it over one to seven years with the option of a secured or unsecured car loan.

Debt Consolidation 

If you are having trouble balancing your debt, consolidate your debt with a lower rate.

RateSetter – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 9.29%
  • Loan Amount up to $45,000
  • Repayment 6 months to 5 years

Benefits of RateSetter

  • Simple and fast loans
  • Get low rates
  • Investment opportunities

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

How to apply for a short-term loan with Rate Setter

You can borrow between $25,000 and $400,000 to fund your legal fees.

A legal loan will allow you to have peace of mind and confidence in knowing that you will be able to pay your lawyers on time. They can also clear outstanding fees as well as future costs for you. Save money by switching to a RateSetter personal loan or debt consolidation and escape the jaws of unfair lenders who want to suck the life out of you

Easy short-term loan application 

Application requirements

  • Be 18, and in some cases over 21
  • An Australian citizen or permanent resident
  • Earn at least $25,000 per year. If you are self-employed, they might ask you for more information.
  • The holder of a provisional or full driver’s license
  • Proof of identification
  • Proof of address
  • Details of your expenses and liabilities

Quick, easy, and hassle-free

1. Answer a few simple questions – this will only take a few minutes.

2. They will soon provide you with a decision and if it is needed, they might then ask you to provide additional information for them to verify.

3. Once approved, they will transfer the funds into your nominated account.

Benefits of applying with RateSetter

  • They have longer terms to make repayments more affordable.
  • They offer secured and unsecured loans.
  • Great service delivery.
  • Low-cost interest rates.
  • Friendly and helpful staff.
  • Online, quick, and simple application process.
  • Tailored loans that are based on your credit score.
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RateSetter is a trusted & reliable provider of short-term loans

In our review, RateSetter adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ RateSetter is a registered credit provider in Australia: ACL 449176

Customer Reviews & Testimonials

March 2019

RateSetter really sticks to their name; they set the standard for rates in the industry. They know what Aussies love and want which is why I am happy to support them.

Jessica P
— Katherine —

March 2019

Thanks to the loan from RateSetter I was able to get my finances back in check. Their short-term loans are affordable and can be paid back easily without much hassle. They make lending easy for t...

Daniel T
— Brisbane —

February 2019

Thanks to their innovative and improved technology, lending from RateSetter is a stress-free process. You can complete their application online from the comfort of your home with a cup of coffee ...

Frank E
— Gladstone —

March 2019

Deciding on the perfect loan can be a difficult and daunting task which is why a broker can be the perfect solution. They helped me find a loan that is best for my circumstances.

Aaron H
— Goldcoast —

RateSetter Contact

Physical Address

Postal Address

  • PO Box R745, Royal Exchange, 1225, Australia

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed