“Can a UK-originated algorithmic consumer lender extend its credit-card and personal-loan model into the US market using partner-bank rails while leveraging data-driven underwriting to serve near-prime borrowers at fair rates?”
Zable is the consumer-facing US brand of Lendable Operations Ltd, a UK-based consumer lending technology platform. The UK entity (Lendable Limited) began as a personal loans originator and expanded into credit cards and car finance. The US entity (Zendable, Inc.) was set up to bring the same model stateside, offering personal loans and credit builder cards via partner banks (Cross River Bank, Continental Bank). The company's strategy is to combine algorithmic credit underwriting with accessible consumer credit products, and it recently extended into adjacent areas such as a borrower-exclusive mobile network in the UK.
Zable discloses Cross River Bank as its banking provider, with Cross River Bank, N.A., Continental Bank and New Horizon Bank as its sponsor banks, according to the Embedded Finance Index 2026.
Zable does not disclose a bank charter of its own; its banking services are provided through Cross River Bank, N.A., Continental Bank and New Horizon Bank.
The Embedded Finance Index 2026 maps 3 layers in Zable's stack: Banking / BaaS (Cross River Bank); Lending (Personal loans (US, up to $35,000), Personal loans (UK), Car finance (UK), Credit Builder credit card (US) and 1 other); Sponsor bank (Cross River Bank, N.A., Continental Bank and New Horizon Bank).
Zable is headquartered in United States (zable.com); UK operations at Telephone House, 69-77 Paul St, London, EC2A 4NW.
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