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Credit card with instant decision

  1. Find out if you could be approved for a Zable credit card instantly. 

  2. Checking your eligibility won’t impact your credit score.

  3. If approved and eligible, you could start spending using a virtual card the same day. 

Representative 29.9% APR (variable). Subject to eligibility. If you don't qualify, we may offer you a different card with its own terms.

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Representative example:

Based on assumed borrowing of £1200 at an interest rate of 29.9% (variable) p.a. your representative APR will be 29.9% (variable).

illustration of an outstretched hand holding a zable credit builder card
illustration of an outstretched hand holding a zable credit builder card

What is an instant approval credit card?

An instant approval credit card is a card that provides a ‘yes’ or ‘no’ decision on your application within seconds of submitting your information. 

At Zable, our simple eligibility form can be completed online in less than 1 minute. We then let you know whether you’ve been pre-approved within seconds. Completing the rest of your application usually takes less than 5 minutes. 

If eligible, you can even start spending that same day using a virtual card while you wait for your physical card to arrive.

What can I do to increase my chances of instant approval?

The best way to increase your chances of approval is by improving your credit score. This is because having a high score can paint you as ‘low-risk’ to lenders and their algorithms. 

To improve your score, focus on:

  1. Paying your bills on time

  2. Keeping your credit utilisation below 30%

  3. Checking your credit report for errors

  4. Keeping long-standing credit accounts open 

It’s also important to avoid making multiple successive credit applications. This is because every full credit application prompts a ‘hard’ credit check which shows up on your credit file. To avoid this, always check your eligibility first.

If you have a poor or thin credit history, check out:

  1. Credit cards for bad credit

  2. Credit cards for building credit

  3. Credit cards for thin credit files

How long will it take to receive an instant decision credit card?

With many credit card providers, you will need to wait to receive your physical card in the post. This could take 5-10 working days.

But at Zable, if you link your bank account during the application process, we will complete further security checks to see if you're eligible to receive a virtual credit card immediately. 

This would enable you to start spending straight away. Otherwise, you would receive your physical Zable credit card in 5-7 working days.

Financial expert, Adam McAllister
"It's important that you don't rush into any decisions when it comes to your finances. Before applying for a credit card, think about your current debt levels, your ability to pay a monthly balance, and how interest payments might affect your finances in the future. Take your time and ensure you’re choosing a tool that’s right for you."
Adam McAllister

5 years in financial services

How to apply for an instant credit card

  1. Check your eligibility in the Zable app or apply online. It takes less than 1 minute to fill out the form, and seconds to receive an answer.

  2. If eligible, you'll be asked to provide some more details.

  3. We'll review your information and provide you with a quote.

  4. Most customers are able to use their virtual credit card right away (if eligible). The physical card should be with you in 5-7 days.

What’s the difference between instant approval and a pre-approved credit card?

Instant approval is the speed at which it takes to do the checks required in order for a lender to approve a credit card application. This is usually seconds with Zable.

Pre-approval is the strength of that decision. If you’ve been pre-approved for a credit card, you’re likely to be successful when submitting your full application, so long as you successfully pass the pending fraud checks, and the information you initially submitted was correct.

Why choose a Zable credit card?

  1. Spend instantly

    If approved, you can start using a virtual card immediately, without waiting for your physical card to arrive

  2. Repay easily

    You can repay any balances straight from your app by connecting your bank or debit card

  3. Track your spending

    View your balance and total spending in real time, and get instant transaction notifications

  4. Credit that grows with you

    We automatically review your account for credit limit increases and let you know if you’re eligible.

  5. Manage your credit card on the go

    You can do everything from changing your PIN to freezing your card in a matter of taps.

Check if I'm eligible

FAQs about instant credit cards

Can I get an instant approval credit card without a credit check?

No, you can’t instantly get a credit card without a credit check. Any credit card provider needs to assess the risk and responsibility of lending credit to a potential customer before entering into an agreement.

What can I do if I’m rejected for an instant credit card?

Your first port of call is to see if there are steps you can take to improve your likelihood of approval. For example, by checking your credit report for errors and following advice to improve your credit score. 

When you’re ready to apply again, use a ‘soft search’ eligibility checker, as these have no impact on your credit score. We recommend waiting at least a month before checking, as there is unlikely to be a significant change to your eligibility before this point.

Can I get a credit card the same day I apply?

Yes, this is possible at Zable. If you link your bank account during the application process, we will be able to check whether you’re eligible for a virtual credit card. A virtual card can be used on the very same day you applied - with no need to wait for the postman!

Does pre-approval mean that I’ll definitely be accepted for a credit card?

While pre-approval means you’re very likely to be accepted for a credit card, it isn’t a legal guarantee. The lender can still deny your application during the final stage if they find inconsistencies in the information you provided, or you failed security checks. 

Is an instant decision credit card the same as a guaranteed approval credit card?

No, an instant decision simply means you get an answer quickly, whereas ‘guaranteed approval’ can be a misleading term since lenders must perform a risk assessment.

Ready to apply?

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