RateSetter is the UK’s most popular peer to peer investing platform. It allows investors to earn a good return on their money by lending to credit-worthy borrowers. So far the company has surpassed the £3.4 billion lending milestone, generating over £130 million worth of interest to its investors. The RateSetter Innovative Finance ISA enables you to earn tax-free returns between 3.0% and 5.0%. Capital at Risk. No FSCS protection.