We reckon the rates for borrowers at Duck9 are some of the very best around but we don't even set them. Duck9 members do.

Duck9 lenders pick the rates they want to lend their money out at based on the combined credit ratings of Duck9 borrowers. The higher the rating, the lower your rate will be. All Duck9 borrowers therefore get the rate that's right for them.

What's more we don't penalize borrowers for repaying early and have no hidden fees. We normally charge just 1% to borrowers on top of their loan.