Autolend

Autolend, car finance within the Zable ecosystem

Autolend is the car finance proposition from Zable, the consumer brand of Lendable Ltd. Its activity focuses on car loans with personalised rates, instant decisions and same-day funding, with the option to request a quote without affecting the applicant's credit score. The firm operates under the authorisation and supervision of the UK's Financial Conduct Authority (FCA).

The Autolend page is part of the Zable site, which brings together other financial and savings products. These include credit cards, personal loans, mobile phone plans, credit report checking, rent reporting, spend tracking and utility bill switching. The company also offers the possibility to switch existing car finance and save up to £4,000, according to its own material.

Finance and savings products

Zable's catalogue, which includes Autolend, features several lines of credit and associated services:

• Credit cards, with access to flexible spending while building your credit score, balance transfers and options for profiles with a poor or limited credit history.
• Personal loans to consolidate debts, fund home improvements, weddings or other major purchases, including loans for people with bad credit.
• Car finance with Autolend, designed for a fast and straightforward application.
• Mobile phone plans with unlimited 5G data, calls and texts.
• Free credit report checking, rent reporting to improve your score, spend tracking and utility bill switching to find better deals.

How the Autolend service works

Autolend's car finance is presented as a paperless, fast and simple process. The company states that users can get a quote in minutes and drive the same day. Customers stay in control of payments, can view upcoming payments online and have the option to repay early. The company notes that data is encrypted in accordance with its privacy policy.

The material includes a representative example of a £10,000 loan repayable over 60 months, with monthly payments of £255.03, a fixed interest rate of 17.9% per year, a representative APR of 19.8% and a total amount repayable of £15,301.80, which includes a loan fee of £350.

Origin and group structure

Zable is the trading name of Lendable Ltd, company number 08828186, authorised and regulated by the Financial Conduct Authority (FCA) with reference 720261 and a member of CIFAS, the UK's fraud prevention service. Lendable declares its commitment to responsible lending.

The Zable credit card is issued by Transact Payments Limited under licence from Mastercard International. Transact Payments Limited is authorised and regulated by the Gibraltar Financial Services Commission. Zable is also a trading name of Comparable Ltd, company number 10754800, authorised and regulated by the FCA with reference 1042451 for insurance distribution activities. Lendable Ltd and Comparable Ltd are members of the Lendable Operations Ltd group and have their registered office at Telephone House, 69-77 Paul St, London, EC2A 4NW.

Group track record and backing

Martin Kissinger, Paul Pamment, Victoria van Lennep and Jakob Schwarz founded the parent company, Lendable, in 2014. In 2018 Martin and Victoria appeared on the Forbes 30 Under 30 list; in 2020 the Zable brand was born and, according to the company's material, by August 2025 Zable had become the second biggest new credit card issuer in the UK, according to Experian. The group has over 800 employees worldwide and operates in three different geographies.

The company presents itself as Lendable's consumer brand, described as one of the UK's most successful fintech unicorns, backed by global investors such as Balderton Capital and the Ontario Teachers Pension Plan. Its proposition is built on a proprietary technology platform based on artificial intelligence and a large open banking dataset, which it uses to assess applicants' real financial behaviour beyond traditional credit scores.

Technology and access to credit approach

Zable states that it built its platform to fix what it considers a rigid and opaque credit system. According to its account, the use of advanced artificial intelligence models and open banking data allows it to approve responsible customers that other systems miss, offer guaranteed eligibility and rates from the outset, and avoid advertising attractive rates that never materialise. The company maintains that this approach has helped raise the standard of transparency in the financial product comparison sector.

Location and contact

Telephone House, 69-77 Paul St, London, EC2A 4NW