The Zable / thimbl Partnership
thimbl - powered by Zable
Check if you're eligible with no impact to your credit scorePersonalised credit limit between £500 and £1,20034.9% APR Representative (variable)
Subject to affordability
Over 150,000 customers so far
For all credit scores
Check eligibility with no credit score impact
Over 150,000 customers so far
For all credit scores
Check eligibility with no credit score impact
Read time: 6 minutes
Published: 25th March 2025
thimbl is proud to partner with Zable to bring you the thimbl Credit Builder Credit Card. Zable is a trading style of Lendable Ltd, who is the credit provider for the thimbl credit card.
Who is thimbl?
thimbl is a credit broker, not a lender.
thimbl does not provide the credit card; the credit is provided by Lendable Ltd.
thimbl is a trading name of Digitonomy Limited, which is authorised and regulated by the Financial Conduct Authority (FCA).
Is thimbl a reputable company?
Yes. As of January 2025, thimbl is rated ‘excellent’ on Trustpilot, with an average score of 4.6/5.
Who is Zable?
Zable is a trading style of Lendable Ltd.
Lendable Ltd is the exclusive issuer of the thimbl credit card.
If our eligibility check reveals that you may be able to get a thimbl credit card, you’ll be redirected to Zable’s website, where you can decide whether you’d like to make a full application.
If you choose to go ahead, Lendable will carry out an affordability check, which will include a hard search.
Is Zable authorised and regulated?
Yes. Zable is a trading style of Lendable Ltd.
Lendable Ltd was originally founded in 2014 and is authorised and regulated by the FCA. You can view the company information on the FCA register here.
Is Zable a reputable company?
Yes, Zable is a reputable company.
As of January 2025, Zable is rated ‘excellent’ on Trustpilot.
Will I be issued a Zable credit card or a thimbl credit card?
When you successfully apply for a credit card on the thimbl website, you will be issued a thimbl credit card.
You will be able to download the Zable app to manage your thimbl credit card account.
Why choose thimbl for your credit builder credit card?
The thimbl Credit Builder Credit Card has been designed for people who are aiming to build or improve their credit score.
The thimbl credit card comes with a manageable starting credit limit to help with responsible spending. You should only ever spend what you need to and can afford to repay. When making your monthly repayments, you should try to pay more than the minimum amount due, if it’s possible for you to do so. Clearing your balance in full and on time each month will mean that you won’t be charged any interest.
Your repayment habits will be fed back to the credit reference agencies (CRAs) and, over time, providing you have also positively managed any other current credit commitments or bills, you could notice an increase in your credit score.
As of January 2025, thimbl has said yes to over 150,000 customers – and counting!
What’s the starting credit limit on a thimbl credit card?
The thimbl Credit Builder Credit Card comes with a starting credit limit between £200 and £2,000. The credit limit you could be offered will depend on your credit score; income; how you’ve managed any current or past credit commitments; and the results of the lender’s affordability checks.
Who can apply for a thimbl credit card?
You can check your eligibility for a thimbl credit card if you:
- Are over the age of 18 and under the age of 70;
- Are a UK resident with at least 1 year’s UK address history;
- Are employed with a minimum monthly income of £800 after deductions;
- Have an active credit account; and
- Do not already hold a Zable credit card.
Check your eligibility before you apply
You can check your chances of approval for free before you make a full application. thimbl uses soft search technology, with no impact to your credit score.*
*Please be aware that if you choose to make a full application for a thimbl Credit Builder Credit Card, our partner Lendable will be required to carry out an affordability check, which will include a hard search. A hard search will remain visible on your credit file for up to 12 months, and multiple hard searches within a short space of time could have a negative impact on your credit score.
Any credit that is obtained as a result of an application will be provided by Lendable Ltd.
If I have a question about my thimbl credit card, should I contact thimbl or Zable?
If your query relates to the eligibility check, or you have any questions before applying, you are more than welcome to contact our friendly Customer Care team.
You’ll need to reach out to Zable for any questions relating to the application process or how to set up and use your credit card.
Managing your thimbl credit card
You can manage your thimbl credit card via the Zable app.
Page last reviewed: 25th March 2025
Page reviewed by: Alex Kosuth-Phillips
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If you're worried about the cost of living, need support with budgeting, or think you might need debt advice, StepChange could help. They offer free and impartial support and help hundreds of thousands of people every year to deal with their debts and take control of their finances.
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Credit Builder Credit Card
Over 150,000 people have already been accepted for a thimbl. Credit Builder Credit Card
Check if you're eligible with no impact to your credit scorePersonalised credit limit between £500 and £1,20034.9% APR Representative (variable)
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Financial Content Writer
Head of Partnerships
Managing Director, thimbl
Marketing Manager, thimbl
Financial Content Writer
Frequently asked
questions
If you've got a question, you may just find the answer you're looking for here. If not, please visit our contact us page and get in touch.
What will my credit limit be?
You will always be made aware of any credit limit changes to any credit cards you have beforehand, and you do not have to accept a credit limit increase if you don't feel it's right for you.
What happens if I fail to make my repayments?
Missed payments will be reported to the credit bureaus, and your account will appear as in arrears. You will be charged a late fee, which is usually around £12. Your credit rating is also likely to decline as a result.
You should try to make your missed payments as soon as possible.
If you're struggling to keep on top of your repayments, you can find free, impartial advice from MoneyHelper, StepChange, Citizens Advice and National Debtline
If you want to know more about how credit cards work, you can read our blog.
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