Marketplace lenders have had mixed results in a Canstar rating of personal loans, with one lender receiving a five star rating and two others not faring so well.Canstar included Society One, RateSetter and DirectMoney in a survey that was divided into three categories: car loans, unsecured personal loans and secured personal loans.RaeteSetter was among nine lenders awarded five stars in the unsecured personal loan category. It was awarded three stars for its car loan.Society One was awarded three stars in the car loan category and four stars in the unsecured personal loan category.Society One prices for risk and each risk band (excellent credit, average credit and so on) was rated separately. Borrowers in the excellent credit band could get an unsecured personal loan with a rate as low as 8.95 per cent (rated four stars by Canstar) but a borrower in the D grade band could pay as much as 19.94 per cent (rated three stars).DirectMoney was awarded three stars in the unsecured personal loan category and two stars in the car loan category.Mutuals dominate the ratings, with ADCU, Defence Bank, Encompass Credit Union, Gateway Credit Union and Victoria Teachers Mutual Bank among the five star recipients for car loans.Consumers can find a car loan for as little as 5.29 per cent from Victoria Teachers Mutual Bank and plenty of offerings below seven per cent.SocietyOne's car loan rates start at 8.95 per cent and RateSetter's start at 9.9 per cent.In the unsecured personal loan category Bank Australia, Community Mutual Group, Gateway Credit Union, Intech Credit Union, Newcastle Permanent, RateSetter, Select Credit Union, Summerland Credit Union and Victoria Teachers Mutual Bank were all award five stars. Rates are as low as 7.99 per cent.And in the secured personal loan category Coastline Credit Union, Encompass Credit Union, First Option Credit Union Heritage Bank and Holiday Coast Credit Union were awarded five stares, with rates as low as 4.9 per cent.Canstar research manager Mitchell Watson said marketplace (or peer-to-peer) lenders had generated a lot of interest with their emergence over the past couple of years but consumers had to do their homework before committing to a loan.