Illustration showing debts being consolidated in the Zable app

Debt consolidation loans from 8.1% APR

Struggling with multiple repayments? Consolidate everything into one manageable monthly payment with rates from just 8.1% APR. Our quick eligibility checker won't affect your credit score, and you could start saving money right away.

  1. Combine debts into one low monthly payment

  2. Rates from just 8.1% APR

  3. Same-day funding to pay off existing debts

  4. Borrow £1,000 - £25,000

Representative Example:

Assumed borrowing of £7,500 over 36 months at 32.5% APR representative. Monthly cost of £312.15. Total amount repayable of £11,237.40. Interest rate of 27.0% p.a. (fixed) and total fees of £440.00. From 8.1% to 49.9% APR. £1,000-25,000 over 1-5 years available.

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Illustration showing debts being consolidated in the Zable app

Why consolidate your debts with Zable?

  1. Save money with lower rates

    Our debt consolidation loans start from just 8.1% APR. This could save you hundreds or thousands of pounds in interest charges, if you reduce the term of your existing debt.

  2. Simplify your finances

    Instead of juggling multiple payments with different due dates and interest rates, you'll have just one fixed monthly payment to manage. This makes budgeting easier and reduces the risk of missed payments.

  3. Get back in control

    Clear your existing debts right away with same-day funding, then focus on one manageable repayment plan. Remember if you reduce your monthly payments but extend the term, you could end up paying more over the lifetime of the new loan.

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Illustration showing characters around a debt consolidation loan quote

How debt consolidation works with Zable

  1. Apply for your loan

    Get approved for the amount you need to pay off your existing debts, usually within minutes.

  2. Pay off your debts

    We'll transfer funds directly to your bank account, typically within an hour, so you can clear your existing debts as soon as possible.

  3. Enjoy one simple payment

    Make one fixed monthly payment to Zable instead of multiple payments to different lenders.

Illustration showing characters around a debt consolidation loan quote

What debts can you consolidate?

Credit Cards

Clear high-interest credit card balances that may be costing you.

Store Cards

Pay off expensive store cards and catalogue debts that often charge premium rates for the convenience of shopping with credit.

Personal Loans

Consolidate existing personal loans with higher rates into one lower-rate loan with better terms.

Overdrafts

Clear persistent overdraft charges and fees by paying off your overdraft debt once and for all.

Other Debts

Combine any unsecured debts into one manageable monthly payment with a clear end date.

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Still got questions? let's see if we can help

Savings depend on your current interest rates and the rate we can offer you. You could save hundreds per month and thousands overall, if we can offer you a better rate than your existing lender(s).

Paying off multiple debts can improve your credit utilisation ratio, which may positively impact your credit score. Making consistent payments on your consolidation loan will also help build positive payment history, especially if it helps you avoid missed or late payments for existing balances.

You can borrow up to £25,000, subject to affordability checks. We'll assess your income and expenditure to ensure the loan is manageable for your circumstances.

It's generally recommended to close store cards and any cards with annual fees. For older credit cards, you might keep them open (but unused) as they can help your credit score through length of credit history and unutilised credit.

No, our initial eligibility check uses a soft search that won't impact your credit score. Only when you accept the quote and proceed with a full application will a hard search be conducted.

Most customers receive funds within an hour of approval, allowing them to clear existing debts the same day, but this depends on your individual arrangements with your existing lenders.

Ready to consolidate your debts?

Join thousands who've simplified their finances and started saving money with Zable debt consolidation. Check how much you could save with no impact on your credit score.

Apply online