Last Updated: 12/12/2025
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Highlights
APR (Fixed APR)
9.95% - 35.99%(Verified 12/12/2025)
Amount Range
$1,000 - $35,000
Loan Term (Months)
12 - 60
Zable Personal Loans Review
Zable Personal Loans is offered by Zendable, LLC, a direct lender founded in 2021 and based in New York, NY. Zable are available in 34 states and Washington, DC.
Key Takeaways
- APRs starting at 9.95%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Zable Personal Loans are on the lower end of the spectrum.
- Prequalified rate. You can check your prequalified rate at Zendable, LLC with a soft pull that will not affect your FICO or VantageScore.
- Origination fees of 3.5% to 6.75%. This is on the high end for lenders on SuperMoney's database. Don't forget that these fees are deducted from the loan amount, so take them into account when deciding how much money to borrow.
Zable Pros & Cons
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Zable FAQ
What interest rates and personal loan terms does Zable offer?
What interest rates does Zable offer?
Zable offers a fixed APR personal loan product that ranges from 9.95% APR up to 35.99% APR.
How much can you borrow via Zable?
Personal loan amounts start at $1,000 and go up to $35,000
What is the maximum loan term you can get with Zable?
Zable offers loans with terms of up to 60 months.
| Personal Loan Amount | $1000 - $35000 |
| Loan Term | 12 - 60 months |
| APR | 9.95% - 35.99% |
What fees does Zable charge?
Does Zable charge an origination fee?
Zable may charge a personal loan origination fee of 3.5% to 6.75% of the personal loan amount . Zable deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.
Does Zable charge a late fee?
Yes, Zable may charge a late payment fee if you miss one of the regularly scheduled payments of up to $39.
Does Zable charge prepayment fees?
No, Zable does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | 3.5% - 6.75% |
| Prepayment Fee | No |
| Late Payment Fee | up to $39 |
What do you need to qualify for Zable Personal Loans?
Applicants with a credit score that ranges above 600 may be eligible for Zable Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Zable Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by Zable Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- U.S. tax identification number
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | Starting at 600 |
Does Zable Personal Loans report your account activity to credit bureaus?
Yes, Zable Personal Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Zendable, LLC perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Zable allows you to check your rates with a soft credit pull.
Are Zable Personal Loans legit?
Zendable was founded in 2021. It is an established company that has been in business for 5 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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