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Credit that grows with you

Access flexible credit. Build your credit score

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Checking eligiblity won't affect your credit score

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Everything you need to conquer your finances

Save up to £4000

Zable Switch & Save

Pay less on your current car finance, or break up your balloon payment

Credit cards

Get access to flexible spending while you build your credit score

Personal loans

Pay for home improvements, holidays and large purchases

Personal loans

Mobile plans

Credit report monitoring

Rent reporting

Spend tracking

Utility bill switching

Still paying interest on old debt?

Stop paying more than you should. Switch to Zable

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Save on your credit cards and loans

Transfer balances for a better deal

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Switch to a cheaper car loan

Refinance in minutes for big savings

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Consolidate your credit cards

Save with one predictable monthly payment

See what you could save

Get the credit you need

With more chance of being accepted

  1. Credit limits up to £4,000

  2. Build your credit score

  3. Spend instantly with Apple Pay or Google Pay if eligible

Apply for your credit cardSee how it works

Checking eligiblity won't affect your credit score

Representative Example:

Based on assumed borrowing of £1,200 at an interest rate of 29.9% (variable) p.a. your representative APR will be 29.9% (variable).

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All in one award-winning app

Don’t just take our word for it

Money facts award 2026, 5 stars
Smart money people 2025, best credit building product
Smart money people 2025, best mobile app

Get your personal loan in under an hour

Borrow up to £25,000 today

  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. Boost your chance of approval by up to 35% with your banking history

Apply for a loanLearn more about our loans

Checking eligibility won't affect your credit score

Representative Example:

Assumed borrowing of £7,500 over 36 months at 25.1% APR representative. Monthly cost of £288.84. Total amount repayable of £10,398.24. Interest rate of 20% p.a. (fixed) and total fees of £445. From 7.8% to 48.9% APR. £1,000-£25,000 over 1-5 years available.

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Supercharge your credit score

  1. Access credit cards and loans, even with a low credit score

  2. Build credit history by reporting rent payments

  3. See your free Equifax credit score and track your spending

Get the Zable appFind credit cards for low credit scores
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Trusted by over 2 million Zable customers

Take control of your finances today

Apply for a card, find big savings and manage your finances. All in one app.

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