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Zable review and offers
By Chris Harvey·Updated 16 May 2026
Zable is Lendable's all-in-one money management app, used by over two million people through its superapp. Originally launched as the Level Credit Card, the product rebranded to Zable as Lendable expanded it into a broader financial toolkit.
Customers
2m
UK accounts
Founded
2020
6 years old
App Store
4.9 ★
227k reviews
Google Play
4.8 ★
105k reviews
Live offers
1
Worth £10
Zable is a trading name of Lendable Ltd (company number 08828186), which is authorised and regulated by the Financial Conduct Authority under firm reference number 720261.
Zable at a glance
Zable is a UK credit card from NewDay, formerly Aqua, built for people without much credit history. You get a free Equifax score in the app, rent reporting, and open banking insights. Quidsy has a free cash offer for new signups. Use it for small spends and pay in full each month.
Updated:
Current Zable offers
The review· 5 min read
Zable overview
Zable is Lendable's all-in-one money management app, used by over two million people through its superapp. Originally launched as the Level Credit Card, the product rebranded to Zable as Lendable expanded it into a broader financial toolkit.
Today it pairs a credit-builder credit card with a free Equifax credit score, Open Banking spend tracking, rent reporting, and (more recently) Zable Mobile phone plans. Lendable itself was founded in London in 2014 and is now the UK's largest non-bank lender for personal loans.
Zable is most useful if you're trying to take a more active interest in your credit profile. That means first-time credit builders (students, younger professionals applying for their first card), people rebuilding after a missed payment or default, renters who want their on-time rent payments to count towards their credit history, and anyone who likes seeing all their spending in one app.
If you already have a long, clean credit history and use a separate budgeting tool you're happy with, Zable's core features will feel less essential, though the free score check still earns its keep.
Is Zable safe?
Yes, Zable is safe in the way that matters for a UK credit product. It's a trading name of Lendable Ltd (Companies House number 08828186), which is authorised and regulated by the Financial Conduct Authority under firm reference number 720261. You can verify that directly on the FCA Register.
Lendable has been operating since 2014 and is now one of the largest non-bank consumer lenders in the country. The company is also a member of CIFAS, the UK's fraud prevention service.
In the app itself, login is protected by biometrics, data is encrypted in transit, and the bank account links go through Open Banking, the same regulated rails your main bank uses. Your transaction data is only used to power the insights you see inside Zable, not sold on.
One thing worth flagging: in February 2024 (updated May 2024), the FCA issued a clone-firm warning about an unauthorised company called Lendable Loans Finance Ltd, which is not connected to the real Lendable and has been trying to trade off the brand.
That's a sign of how well-known Lendable has become, but it does mean you should only download Zable from the official App Store or Google Play listing, and never act on links in unsolicited messages.
Who is Zable for?
Zable is ideal for anyone looking to understand and improve their credit score. It's particularly useful if you're:
- Building credit for the first time (students, young professionals) - Recovering from past credit issues - A renter who wants their payments to count towards credit history - Curious about where your money goes each month
If you already have excellent credit and don't need spending insights, Zable's core features may be less relevant to you. But even then, the free credit score monitoring is genuinely useful.
What does Zable do?
Credit-builder credit card
A credit card aimed at people without long credit histories. Use it responsibly, pay in full each month, and the on-time payments get reported to the credit bureaus, lifting your score over time.
Free Equifax credit score
Check your live Equifax credit score inside the app whenever you want, with no impact on your rating. Useful for spotting changes before you apply for anything bigger.
Rent reporting
Tell Zable about your rent payments and they get reported to Equifax for you. It's one of the few ways UK renters can get any credit-history value out of money they're already paying.
Open Banking spend tracking
Link your other bank accounts via Open Banking and Zable categorises your transactions across everything, so you can see where the money actually goes each month in one place.
Zable Mobile
A newer addition. Zable now offers SIM-only mobile phone plans through the same app, billed alongside the rest of your Zable activity, which is handy if you want fewer financial apps to juggle.
Pros and Cons
What we love
5 pros- FCA-regulated lender (FRN 720261) with a long operating history through parent Lendable
- Free Equifax credit score that doesn't ding your rating to check
- Rent reporting is genuinely rare in the UK and turns rent into a credit-history asset
- App is well-rated on both stores (4.9 on iOS, 4.8 on Google Play with around 330,000 reviews between them)
- Clean, single-app view of spending across accounts via Open Banking
Worth knowing
4 cons- The credit card sits at a 29.9% representative APR, so it only really works if you clear the balance each month
- Application is a hard credit check and approval isn't guaranteed
- Rent reporting depends on your landlord being verifiable, which can be a sticking point
- Not a current account replacement, so you'll still need a main bank alongside it
For me, Zable earns its place if you're in any way active about your credit score. The free Equifax check is the obvious draw, but the rent reporting is what makes it interesting. If you're a renter paying on time every month, getting that to count towards your credit history is the kind of thing that should have existed in the UK years ago, and Zable is one of very few apps that actually do it.
The credit card itself is squarely a credit-builder card rather than a rewards card. At 29.9% APR you don't want to carry a balance on it, but used as intended (small spend, paid in full each month, repeat) it does what it says. The spend tracking is solid too, and stitching Open Banking, rent, and a credit card into one app means you're not bouncing between four tools to see one picture.
With over two million customers across the Zable superapp, a 5-star Trustpilot rating across roughly 50,000 reviews, and consistently strong app store scores, Zable has clearly found an audience that finds it valuable. It isn't trying to be your main bank, and that's the point: it's a specialist credit-and-spending app, and it's a sensible one to have on your phone if you care about either.
Zable FAQs
Zable makes money the same way most consumer lenders do. The credit card charges interest on balances that aren't cleared in full each month (29.9% representative APR), and the personal loans business charges interest over the loan term. Parent company Lendable also earns fees from referrals and from its Zable Mobile phone plans. The credit score, rent reporting, and spend tracking inside the app are free because they bring users into the lending products.
Quidsy unlocks Zable's £10 referral reward for new credit card customers. Sign up via Quidsy, get approved for the card, activate it and make any purchase, and £10 lands in your Zable account within 30 days. The bonus is referral-gated rather than a standalone sign-up offer, which is why you have to come through a referral link to get it. It's at the smaller end of UK card bonuses, but the application takes about 15 minutes and the card itself is positioned as a credit-builder, so the £10 is essentially a bit of extra cash on top of taking out a card you might be considering anyway. As of May 2026, this is the only active Zable offer tracked by Quidsy.
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£10 Free Cash is the strongest live Zable route we have listed right now.