Lendable Ltd: Who they are, the products they offer, and customer reviews
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Who are Lendable Ltd?
Lendable Ltd (previously Feather Media Ltd) is a UK-based financial technology company founded in 2014. The company provides consumer credit products, including personal loans and credit cards. Lendable Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 720261.
Lendable Ltd issues credit under a number of brands, including Zable and thimbl. These products are generally targeted at individuals looking to build or improve their credit history. In this article, we explain how Lendable Ltd operates, what customer reviews indicate, and how to assess whether its products are suitable for your needs.
Unlike traditional high street banks, Lendable does not operate physical branches. All services, including credit applications and account management, are provided through its digital platforms, such as Zable and thimbl.
What makes Lendable different?
Lendable Ltd differs from traditional lenders in several ways:
- Fully digital application and account management Services are accessed online or through branded apps, from eligibility checks to repayments. There are no branches or paperwork.
- Fast, data driven credit decisions Lendable uses internal systems and real time data to assess applications. This can result in faster, more personalised decisions.
- Soft-check eligibility across products Whether applying for a credit card like Zable or thimbl, or for a loan, you can check eligibility with no impact on your credit score.
- Focus on fair or limited credit profiles Many of Lendable’s products are aimed at people who may not qualify for mainstream lending, offering a more accessible path to credit.
- Simple and transparent terms There are no annual fees, and interest and repayment terms are designed to be clear. Lendable avoids hidden charges or complex pricing.
Is Lendable legit and safe?
Yes, Lendable Ltd is a legitimate and FCA-authorised lender. It uses secure data encryption, complies with UK GDPR requirements, and performs soft or hard credit checks depending on where you are in the application process.
For credit cards, applications typically begin with a soft search so you can check your eligibility without affecting your credit score. If you choose to proceed, a full credit check will follow.
The cards and loans issued through Lendable are subject to the same regulatory obligations as other financial products in the UK.
Lendable reviews: What do customers say?
Thousands of customers have shared their experiences on platforms such as Trustpilot. At the time of writing, Lendable reviews include a mix of positive and neutral feedback depending on the product used and the user’s financial circumstances.
Loan customers often highlight the fast application process and simple platform. Credit card users tend to mention the mobile experience through the Zable app. As always, outcomes vary depending on your credit profile and how the product is used.
Lendable, Zable and thimbl
While Lendable Ltd does not have branded credit cards under its own name, it is the issuing lender behind both the Zable credit card and the thimbl credit card. Both cards are designed for people with fair or limited credit who are looking to improve their score over time. Features across both products include:
- No annual fees
- No foreign transaction fees
- Account management through mobile apps
- Automatic credit limit reviews
Although customers interact with Zable or thimbl, the credit agreement itself is with Lendable Ltd. You will see Lendable listed on your credit file, in your terms, and in any legal documents associated with your card.
To learn more about each provider, read our full review of the thimbl credit card and our detailed breakdown of the Zable credit card, including how they work and who they’re best suited for.
Representative APR
48.9% APR (variable)
Purchases
48.9% (variable) p.a.
Balance Transfers
Not Available
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 48.9% (variable) p.a., most accepted customers get a rate of 48.9% APR (variable).
Representative APR
48.9% APR (variable)
Purchases
48.9% (variable) p.a.
Balance Transfers
Not Available
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 48.9% (variable) p.a., most accepted customers get a rate of 48.9% APR (variable).
What are Lendable Loans?
Lendable loans are unsecured personal loans typically offered with fixed interest rates and repayment terms between one and five years. Like all regulated lenders, Lendable conducts affordability and credit checks before approving an application.
The process starts with a soft credit search. If you proceed and are pre-approved, a full credit check will be completed. All loans are issued under the Consumer Credit Act and are subject to FCA oversight.
If you’re considering a loan from Lendable Ltd, using an eligibility checker first can help you compare options without affecting your credit score.
Frequently asked questions about Lendable Ltd
Who is Lendable Ltd?
Lendable Ltd is a UK based financial technology company authorised and regulated by the Financial Conduct Authority. They issue credit for several credit products, including Zable and thimbl, which are credit builder credit cards designed to help people improve their credit score. While the cards are branded as Zable or thimbl, the issuing lender behind them is Lendable Ltd.
Is Lendable Ltd authorised in the UK?
Yes, Lendable Ltd is authorised and regulated by the Financial Conduct Authority.
Is Lendable safe to borrow from?
Yes. Lendable uses secure technology, performs regulated credit checks, and complies with UK consumer credit laws.
Who issues the Lendable credit cards?
Zable and thimbl credit cards are issued by Lendable Ltd. Customers interact with the Zable or thimbl brands, but the underlying issuing lender is Lendable Ltd.
Can I check eligibility without affecting my credit score?
Yes. You can take a free eligibility check for credit cards from Zable, thimbl, and other lenders. This uses a soft credit search, which means it won’t affect your credit score and lets you see your chances of approval before applying.
Where can I find Lendable reviews?
Lendable reviews are available on sites like Trustpilot. These reflect customer feedback for both loans and credit cards.
Thinking about a credit card from Lendable Ltd?
Lendable Ltd is the issuing lender for credit cards like Zable and thimbl, which are designed to help people build or rebuild their credit with simple features and transparent terms. Read our reviews on the thimbl credit card or the Zable credit card to learn more about how they work.
If you’re exploring your options, it’s worth checking your eligibility first it’s free and won’t affect your credit score.
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
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Editor, Credit Cards: Michelle Blackmore
Last Updated: August 1, 2025