£10,000 loans from 8.2% APR

Borrow £10,000 over 1 to 5 years with rates from 8.2% APR. Check if you're eligible in minutes with a soft search and no impact on your credit score. If you're approved, most customers get their money in under an hour.

Get a quote without impacting your credit score
Borrow £1,000 - £25,000
Most approved customers get their loan in less than an hour

24.6% representative APR

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Representative example:

£7,500 loan repayable over 36 months. Monthly payments of £287.19. Rate of interest 19.6% p.a.(fixed). Representative 24.6% APR. Total amount repayable of £10,338.84 (includes loan fee of £445.00). From 8.2% to 48.9% APR. £1,000-25,000 over 1-5 years available.

Why choose Zable for a £10,000 loan

Hassle-free application

Our application can be done in a few minutes and you’ll get a fast decision and personalised loan offer without the hassle of going back and forth.

Money in under an hour

Most customers get their loan paid into their bank account in under an hour from approval. Spend less time waiting around and more time putting the loan to good use.

Rates from 8.2% APR

Our rates are competitive and you can check your personal rate before you apply, with no impact on your credit score. Interest rates are subject to eligibility and the actual interest rates may vary according to customer circumstances.

How to get a £10,000 loan with Zable in 3 steps

Applying for a loan with Zable is easy:

Quick eligibility check
See your personalised rate in minutes without affecting your credit score.
Choose your loan
Select a loan amount from £1,000 to £25,000 and repayment term from 1 to 5 years that fits your needs.
Receive your funds
When you’re finished with your application, money is then sent directly to your bank account, usually within the hour.

Apply online

Illustration showing the three easy steps to a loan

How much does a £10,000 loan cost?

A £10,000 loan over 5 years with a 10.6% fixed interest rate works out at £225.24 a month, with £13,514.40 paid back in total. This includes a loan fee of £450 with a representative APR or 13.3%. Shortening the term would cut your total interest but raises the monthly cost. This is a simplified illustration, your actual monthly cost will depend on the rate you're offered, the term you choose, and the loan fee that applies to your agreement. The representative example above shows what at least 51% of accepted Zable customers receive. What affects the terms of a loan:

Your rate: A higher APR will change your monthly payment and total paid. The rate you're offered is based on your credit profile and affordability.

Your term: Longer terms reduce your monthly payment but you pay more interest overall. Shorter terms cost less in total but might stretch your monthly budget further.

Any loan fee: Zable loans include a fee of up to £450. This fee is included in the APR, so the repayment amount you see is the all-in cost.

Financial expert, Adam McAllister — Adam McAllister
Head of Growth at Zable, 5 years working in Financial Services

What can I use a £10,000 loan for?

A £10,000 loan can be used for a variety of reasons. Uses for such a loan can include:

A new kitchen, bathroom, or other home improvement loans project
Paying for a wedding which might need venue deposits, the dress, catering, photography
A new or used car bought outright rather than financed through the dealer
Debt consolidation rolling several credit card or loan balances into one fixed monthly payment

Whatever the purpose, it's worth checking your eligibility first so you know what rate you'd actually be offered before you commit.

Can I get a £10,000 loan with bad credit?

It's possible, but it depends on the rest of your application. If you want to borrow £10,000 lenders will look at affordability closely including your income, your existing debts, and your recent credit behaviour.

At Zable we look at more than just your credit score. If you securely share your bank history through Open Banking during your application, you could be more likely to be accepted. The rate offered will reflect your overall risk profile, so applicants with weaker credit history might be offered higher APRs than the headline 8.2%.

If you're worried about being declined, the soft search lets you see whether you're likely to be approved without impacting your credit score.

Read more on loans for bad credit if this is your situation.

£10,000 Loan FAQs

How much would a £10,000 loan cost me per month?

A £10,000 loan over 5 years at 13.3% APR works out at £225.24 a month, with around £13,514 paid back in total. This will change based on how long you want to spend repaying the loan and your personal circumstances.

How long can I borrow £10,000 for with Zable?

Between 1 and 5 years. Longer terms aren't available on Zable loans. Some lenders offer 7 or 10 year terms, which spreads the cost further but you pay significantly more interest overall. See our long-term loans page for more information.

Can I get a £10,000 loan with bad credit?

Sometimes, yes but the rate offered will be affected. Affordability matters as much as your credit score. Use a soft search to check before applying so you don't impact your credit score.

How quickly can I get a £10,000 loan?

Most Zable customers get their money in under an hour from approval. Eligibility checks take a few minutes.

Can I pay off my £10,000 loan early?

Yes you can and by paying off a loan early you can save money on the interest charged over the full term of the loan. Lenders, including Zable, charge up to 58 days' interest on early settlement. If you do plan to pay the loan off early, check your settlement figure before repaying to see exactly how much you’ll pay.

Will applying for a £10,000 loan affect my credit score?

A soft eligibility check won't. A full application uses a hard search, which is recorded on your credit file and can have a small short-term effect on your score. Checking eligibility with Zable first lets you see your personal rate without hurting your credit score.

Can I get a £10,000 loan with no credit check?

Getting a £10,000 loan will almost always require checking your credit. UK lenders are required by the FCA's CONC rules to make a reasonable assessment of creditworthiness before entering into a regulated credit agreement. A soft check (which doesn't affect your score) is used at the eligibility stage; a hard check is recorded on your credit file when you formally apply.

Is a £10,000 loan secured or unsecured?

Zable's £10,000 loans are unsecured, which means you don't have to put up your home or any other asset as security.

Secured loans for £10,000 do exist, usually offered against equity in a property. They sometimes come with lower rates, but the trade-off is that your home is at risk if you can't keep up the repayments. Read our article on unsecured loans to learn more about what an unsecured loan is.