Personal loans

Applying for a personal loan is quick and easy with Zable. Find out how much money you can borrow today without impacting your credit score.

  1. Most customers get their loan in less than an hour

  2. Check the rate you’re eligible for with no impact to your credit score

  3. Use your banking history to boost your approval odds by up to 35%

123,000+ reviews across Trustpilot, App Store and Google Play

See what our Zable Loan customers have to say

Get started

Checking your eligibility won’t affect your credit score

app screen showing the last step of the credit card application
Get started

Checking your eligibility won’t affect your credit score

123,000+ reviews across Trustpilot, App Store and Google Play

See what our Zable Loan customers have to say

Get a quote for a personal loan

Representative Example:

Assumed borrowing of £7,500 over 36 months at 34.8% APR representative. Monthly cost of £319. Total amount repayable of £11,497. Interest rate of 30.1% p.a.(fixed) and total fees of £360.00.From 9.9% to 49.9% APR. £1,000-25,000 over 1-5 years available.

Credit bandsIllustrative APRsMonthly payments
Great15.3%£258
Good21.1%£276
Fair31.2%£308
Limited48.6%£362
Download the app to get my quote

Getting your quote won’t affect your credit score

We will make you our best offer no matter which band you think you are in

Representative Example:

Assumed borrowing of £7,500 over 36 months at 34.8% APR representative. Monthly cost of £319. Total amount repayable of £11,497. Interest rate of 30.1% p.a.(fixed) and total fees of £360.00.From 9.9% to 49.9% APR. £1,000-25,000 over 1-5 years available.

app screen showing the last step of the credit card application

Did you know?

Illustration of a smartphone with a text message

Here to help 7 days a week

Fast and friendly support available from 9am to 6pm daily

Illustration of an hourglass

Serving the underserved

We approve someone for a loan every 30 seconds

Illustration of a padlock inside a circle floating above some grass

Secure and encrypted

We are authorised and regulated by the FCA

app screen showing the last step of the credit card application

Manage your loan with ease with the Zable app

  1. Access your loan anytime

    Log in to your account to view your balance and upcoming repayments

  2. Simplify debt with a single payment

    If you qualify, you can use a loan to simplify many repayments with different credit cards, into a single manageable monthly payment*

  3. You are in control

    Make early repayments or change your repayment date without incurring a fee

Check your personal loan eligibility

*This could help you save money by either reducing the term of your debt or by lowering your interest payments. However, while a loan may help you clear debts more quickly, it could also extend them in time and increase your total costs.

app screen showing the last step of the credit card application

What are personal loans?

A personal loan allows you to borrow a specific amount of money and repay it over an agreed period, with interest charges. A personal loan can be used for various purposes, from home improvements to consolidating debts.

Unlike secured loans, which require you to borrow against an asset such as your home, personal loans are unsecured. This means you're not putting your possessions at risk.

How do personal loans work?

To apply for a loan with Zable, you'll need to share financial details about your income, expenses and employment. We will assess this information and your credit report to determine eligibility and interest rates.

At Zable, we approve someone for a loan every 30 seconds, and most of our customers get their personal loans in less than an hour. Once approved, you'll agree to loan terms, including the interest rate and repayment schedule.

Our loans involve fixed monthly payments over a set period, between one to five years. If you would like to change your repayment schedule or make early repayments for your personal loan, you can do so with ease (and without incurring a fee) via our app.

What can I use a personal loan for?

Whether you're looking to renovate your kitchen or update your bathroom, using a personal loan for home improvements can help you get funds to make those all-important changes around your home.

If you are looking to buy a new car but don't have the money outright to make the purchase, securing a loan could help you get a better deal, and you can pay it off in monthly instalments.

Take control of your finances by consolidating your existing debts into one easy-to-manage loan. That way, you'll only have one fixed payment each month to worry about. Be aware that consolidating your debts may result in a longer repayment term and higher overall costs.

Weddings can be expensive, so get the peace of mind you need ahead of the big day knowing that everything is taken care of with an unsecured personal loan.

Whether you're planning a weekend getaway or a family holiday abroad, a small personal loan can help you book the holiday you've always dreamt of.

How can I apply for a personal loan with Zable?

Applying for a personal loan with us couldn't be simpler with our app. Follow the steps below to apply for a loan in minutes:

  1. Download the Zable app

  2. Check your eligibility

  3. Let us know how much you would like to borrow and for how long

  4. Add your personal information such as your income, address and employment details

  5. Get your personalised loan offer

illustration of a dark blue card with credit score in front of a night time backdrop

Your credit score

Your credit score is a financial grade that represents your credit history. Lenders use it as an important part of assessing your ability to repay borrowed money on time. A higher score indicates a lower risk to the lender and there are three big independent ‘credit bureaus’ that generate and store these scores called TransUnion, Experian and Equifax.

The scores tend to range between 0 and 1,000, with higher numbers reflecting better credit health and they are updated monthly on new information.

Zable looks at a wide variety of information on top of this score so find out more about your credit profile in the Zable app for free. You can find ways to improve your credit score ahead of applying for a personal loan with Zable.

Why choose Zable for a personal loan?

  1. Rated 'Excellent' on Trustpilot

  2. Quick and easy eligibility checks that won't affect your credit score

  3. Dedicated customer service available every day of the week

  4. Same day loans that can be approved in minutes

See what our Zable Loan customers have to say

123,000+ reviews across Trustpilot, App Store and Google Play

Profile image of a happy customer

“Brilliant”

“Set me up very quickly and had me paid the next business day. I have been referring anyone that asked me about this kind of service to this company.”

Kyle

Profile image of a happy customer

“Thanks”

“A fantastic service for those who are refused from every other lender. Thanks for giving people a chance to build a better score”

Rachel

Our personal loan experts

Profile image of a happy customer

“At Zable, our personal loans are designed with simplicity and transparency at their core. Whether you’re consolidating debt or financing a big purchase, our process is refreshingly straightforward. With competitive interest rates and no hidden fees, you’ll always know exactly what you’re paying. Plus, our flexible repayment options ensure you’re in control, making it easier to manage your finances and stay on track."

Product Manager, Zable Loans

Apply for a same day loan with Zable

Download the Zable app today to get started, or alternatively, you can speak with one of our friendly advisors using our online chat feature.

Download the Zable app

Common questions about personal loans

We offer flexible loans ranging from £500 to £25,000 with repayment terms of one to five years. Enjoy the freedom to repay your loan early at any time, with no additional fees.

Typically, your first repayment for your personal loan will come out exactly one month from the day the loan is paid to you. However, you'll have the flexibility to change this date if you'd like to.

Need to borrow a small amount of money? An interest-free or low-interest credit card could be a cheaper alternative to a personal loan, especially if you require £500 or less. However, if you need to borrow more money, a loan might be a better option.

A non-refundable loan fee is added to the total amount borrowed when you take out a loan with us. This fee isn't paid upfront but is included in your monthly repayments as outlined in the Loan Agreement. The fee and the interest charged on it are factored into the Annual Percentage Rate (APR). You'll find a clear breakdown of the loan fee in your quote.

If you decide to proceed with the loan, we'll conduct a hard credit check once you've accepted our offer and passed our checks. We'll also inform credit reference agencies of the personal loan, which could impact your credit score. Other financial providers will be able to see this information.

Visit our FAQ section

illustration of a pile of gold coins on top of a certificate

Get a personal loan with Zable today

Apply for a loan today with our quick and easy application process. Simply download the Zable app to get started, or chat to a member of our friendly support team if you have any questions.

Download the Zable app
illustration of a pile of gold coins on top of a certificate
illustration of a woman sat on a desk answering a phone

Fast and friendly support

Our team is here seven days a week and can be reached via our online chat.

Contact us about your Personal Loan

Email us

loans@zable.co.uk

Mon-Sun: 9am-6pm

(Use the email you applied with)

Speak with us

020 3835 6030

Mon-Fri: 9am-6pm

Download the Zable App