Personal loans in under an hour

We offer flexible loans ranging from £1,000 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.

You can check your credit score for free in the Zable app, and even find ways to improve your credit score ahead of applying for your personal loan.

Yes, you may be eligible for a Zable loan if you have bad credit. When assessing each application, we take a broad view of your financial situation, considering your income and spending habits, rather than your credit history alone.

Read more about loans for bad credit.

Visit our FAQ section.