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£4,000 loans from 8.2% APR
Borrow £4,000 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
Apply online
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 £4,000 loan
A few minutes to apply
Our application takes only a few minutes and you'll get a decision and a personal offer straight away, with no back-and-forth or follow-up forms.
Money in under an hour
Most customers get their loan paid into their bank account in under an hour from approval. Less waiting around, more time putting the money to use.
More than your score
Like all lenders, we run a credit check before giving you a loan, but we also use Open Banking to securely get a full picture of your income and outgoings.
How to get a £4,000 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.
How much does a £4,000 loan cost?
A £4,000 loan over 3 years with a 15.1% fixed interest rate works out at £148.25 a month, with £5,337.00 paid back in total. This includes a £270 loan fee and a representative APR of 21.7%. Shortening the term lowers the 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. The representative example at the top of the page reflects what at least 51% of approved Zable applicants receive.
What affects the cost of your loan:
Your rate: A higher APR means a higher monthly payment and more paid in total. The rate you're offered is based on your credit profile and affordability.
Your term: A longer term lowers your monthly payment but you pay more interest overall. A shorter term costs less in total but stretches your monthly budget further.
Loan fees: Zable loans include a fee of up to £450, depending on the amount and term. The fee is included in the APR you see, so the monthly repayment you're shown is the all-in cost.
"For a £4,000 loan, the term you choose makes a real difference to what's affordable each month. A longer term lowers the monthly payment but increases the total cost of the loan. Before you apply, think about your individual circumstances and what you would be comfortable repaying each month."
Head of Growth at Zable, 5 years working in Financial Services
What can I use a £4,000 loan for?
£4,000 can be used for one-off costs that are too large to put on a credit card. Reasons people borrow this amount include:
- A home improvement project, such as replacing a kitchen or bathroom
- Buying a car outright rather than financing through the dealer
- Covering the costs of a wedding loans, including venue or supplier deposits
- Debt consolidation, rolling several credit cards or loans into one fixed monthly repayment
Whatever the reason, it's worth checking your eligibility first so you know what rate you'd be offered before you commit.
Can I get a £4,000 loan with bad credit?
It's possible, but it depends on the rest of your application. 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 you're offered will reflect your overall risk profile, so applicants with weaker credit history are usually offered higher APRs than the headline rate.
If you're worried about being declined, a soft search lets you see whether you're likely to be approved without affecting your credit score. Read more on loans for bad credit if this is your situation, or our page on no guarantor loans for bad credit if you'd rather not bring in a guarantor.
