Joe Towner
Senior Content Manager
Joe has covered the world of credit and finance since 2013, writing useful articles and building useful tools. He joined the Zable team (part of Lendable) in 2026 to help provide consumers with clear content that informs their financial wellbeing.
"Access to clear and concise information is a crucial part of empowering people when it comes to credit and financial products - helping eliminate confusion and intimidation one article at a time."
Articles by this author
Repaying a loan early
Learn your rights when repaying a loan early, early repayment charges, the 58-day interest rule and settlement figures.
Joe Towner
Jul 17, 2026
5 min read
Credit union loans explained
Learn how credit union loans work, what they cost, who can apply and how they compare to bank loans.
Joe Towner
Jul 16, 2026
7 min read
How to apply for a loan
Learn more about what’s involved in applying for a personal loan in the UK including what information and documents you need.
Joe Towner
Jul 16, 2026
5 min read
What is a payday loan?
Learn more about how payday loans work, what the FCA price cap means for the cost, the risks and alternatives.
Joe Towner
Jul 16, 2026
6 min read
Do guaranteed loans exist in the UK?
Guaranteed loans don't exist in the UK. Learn how to spot the scams, and your real options with bad credit.
Joe Towner
Jul 16, 2026
6 min read
What is debt consolidation?
Debt consolidation combines several debts into one monthly payment. Learn more about how it works.
Joe Towner
Jul 2, 2026
9 min read
Can I get a loan if I'm self-employed?
Being self-employed doesn't disqualify you from getting a loan in the UK. Here's what lenders look for and the options available.
Joe Towner
Jun 9, 2026
6 min read
The Cost of Missed Payments: The impact of missing credit card payments
New data reveals how many Brits have missed a credit card payment in the last 12 months, and the financial consequences of doing so.
Joe Towner
Jun 8, 2026
6 min read
What is a secured loan?
Learn what a secured loan is, the risks involved and how it compares to other types of loan.
Joe Towner
May 14, 2026
6 min read