- Cards
- Credit card eligibility checker
Credit card eligibility checker
Credit card eligibility check won't impact your credit score
Complete the online form in less than a minute
Receive a decision within seconds
Representative 29.9% APR (variable). Subject to eligibility. If you don't qualify, we may offer you a different card with its own terms.
How does the eligibility checker work?
Fill in your details - it takes less than 60 seconds
You’ll need to provide your name, address, date of birth, mobile number and email, along with information about your income. You can do this online or via the Zable app. It does not impact your credit score.
Receive your decision
You’ll get an instant decision. If you’re pre-approved, you’ll be able to see your potential credit limit and APR.
Complete your application
If you decide you want the credit card and move forward with your full application, we will perform a hard credit check. This will appear on your credit report and can impact your credit score.
Receive your card
Most customers are able to use their virtual credit card right away (if eligible) before the physical card arrives in the post.
Good to know: Once you’ve checked your eligibility, you’ll be asked whether you want to link your bank account. If you do, you could be eligible for an average credit limit boost of over £500.
Who is eligible?
To get a credit card with Zable:
You must be at least 18 years old.
You must have a current account at a UK bank or building society.
You must regularly get paid at least £800 per month.
You must have a credit account that has been open for at least 6 months.
If you’re unsure whether you meet the criteria, you can check your eligibility for free without any impact to your credit score.
Check if I'm eligibleAm I still eligible if I have bad credit?
Yes, you may still be eligible for a Zable credit card, even if you have bad credit.
At Zable, we understand that your credit score isn’t always reflective of how you manage money today. That’s why we give customers the ability to link their bank account during the application process. Doing so allows us to look at your overall financial situation (like your income and spending habits) as opposed to your credit score alone.
This allows us to offer credit cards to people with a range of scores and personal circumstances. For example:
Why check my eligibility before applying?
When you check your eligibility, it only requires a ‘soft search’. This allows lenders to check your credit report, but has no impact on your credit score. You can check 10 different cards in one afternoon and see what kind of interest rates or credit limits you might qualify for before committing.
On the other hand, a formal application will trigger a ‘hard credit check’. This allows the lender to do a deep dive into your credit history and can cause a dip to your credit score. If you apply for three cards and get rejected for all of them, your score can drop three-fold, despite not receiving a credit card at the end of it.
Plus, if a lender sees multiple hard searches on your report in a short window, it can look like you are in financial distress. This, in turn, can make you look like a higher risk and increase your chances of being rejected. Checking eligibility helps you apply once with a high degree of confidence.
The bottom line is you should always check credit card eligibility before submitting a full and formal application.
Why choose a credit card with Zable?
Repay instantly
You can repay any balances straight from your app by connecting your bank or debit card
Track your spending
View your balance and total spending in real time, and get instant transaction notifications
Credit that grows with you
We automatically review your account for credit limit increases and let you know if you’re eligible
Manage your credit card on the go
You can do everything from changing your PIN to freezing your card in a matter of taps.