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Zable: Credit card reviews

View other Zable products
4.82
Based on 123,698 reviews, last reviewed 17th Jul 2026
104% increase in 5 star reviews
in the past 90 days
49% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
4%
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Latest highest rating:

5

Zable is THE best!! Zable has been amazing, as a person who struggles with “bad credit” from years of struggling Zable were the first credit card to give me a chance and ... Read more Reviewed on: 17th July 2026
Nicola shepherd 's avatar
Nicola shepherd

Latest lowest rating:

1

I have been decline so I'm unhappy :)) I have been decline so I'm unhappy :)) Reviewed on: 14th July 2026
Silviu B's avatar
Silviu B
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About this product

You can check your eligibility for a Zable credit card online or in the app.

The Zable credit card could help you build your credit score if you make your payments on time and stay within your credit limit. You can repay any balances straight from your app by connecting your bank or debit card.

Zable credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zable before, you can also leave a review and share your experience.

Review Zable: Credit card now

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Zable Credit card reviews (123698)

Great experience to start with, more average now.

4
The first lender to offer a credit card after some financial difficulties in the past, some of this adverse history was still on my credit reports when I applied to Zable, so I appreciate them giving me a chance to rebuild my credit history - and after 4 years or so of being a customer of Zable I have been able to keep up with all repayments across all lenders, and get accepted for other credit products from a variety of lenders, further increasing positive credit history. Without Zable taking a chance on me as a customer, this may have been more difficult over the last few years. Zable's app is great, it's not laggy and provides a lot of information such as spending analytics and offers for various other Zable products. Zable are very flexible with repayments, providing various methods and giving an opportunity to retry a failed debit card repayment - whereas other lenders that use direct debit charge fees for returned direct debit payments. Debit card repayments can also be changed right up until the day before the payment is due, whereas direct debits have a longer period to change. However, my experience in the last year or so has been more average, as despite most of my other lenders offering credit limit increases (some on a regular basis), Zable have not. They have on a few occasions offered an increase dependant on a bank account connection, but this has been declined each time I agreed to link my bank account. Without knowing what criteria it is being assessed against, this is frustrating as people use different spending and saving methods such as using wallet apps, and income may not always be a salary paid on the same date. I'm sure this can lead to bank account analysis not always providing an accurate picture, so I don't allow Zable to do this now, despite their suggestion that it 'can improve limit increase chances'. No other lender I have asks for this. Zable say that they do traditional limit increases too, I have received these twice but no offers for a long time, which is a shame for the lender I've been with for the longest. Also, my other lenders have offers such as interest free periods, balance transfer offers, money transfer offers and new features such as the ability to set up an instalment plan to spread purchases over a fixed period - and sometimes these instalment plans have their own offers of lower interest. Zable have none of these offers, and their interest rate is one of the highest. Funnily enough they offered a limit increase right around the same time as putting my interest rate up due to an 'assessment of financial circumstances'. So to sum up my experience - great at the start, but recently I feel as if I'm getting a better product from other lenders. I will stay as a customer with Zable and hope that I can make better use of their product in the future. Reviewed on: 17th June 2026
Luke's avatar
Luke

Brilliant credit card

5
Easy to use very reliable will be recommending to friends and family Reviewed on: 17th June 2026
Elle Cassidy's avatar
Elle Cassidy

Label revie

5
I've had no bad experience wile being g with zabe Reviewed on: 17th June 2026
Luke Taylor's avatar
Luke Taylor

All good

4
All good… not a lot more I can say Reviewed on: 17th June 2026
Rui M's avatar
Rui M

Gave credit when others wouldnt, very helpful credit...

5
Gave credit when others wouldnt, very helpful credit card Reviewed on: 17th June 2026
luke m's avatar
luke m

Easy to use and contacting the customer service is...

5
Easy to use and contacting the customer service is simple and effortless Reviewed on: 17th June 2026
Siva R's avatar
Siva R

Easy and reliable

5
It was easy to apply and very efficient. I use it while travelling and it was very helpful Reviewed on: 17th June 2026
Sam's avatar
Sam

Easy to use and very friendly, good to build credit...

5
Easy to use and very friendly, good to build credit with. Reviewed on: 17th June 2026
Adwell Masango's avatar
Adwell Masango

Very good , I like the card credits card .

5
Very good , I like the card credits card . Reviewed on: 17th June 2026
Frangy S's avatar
Frangy S

I was accepted without a credit check, as I'd previo...

5
I was accepted without a credit check, as I'd previously been denied by othe companies, zable is easy to use. Reviewed on: 17th June 2026
Sally T's avatar
Sally T

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