{"id":8656,"date":"2025-03-02T16:12:00","date_gmt":"2025-03-02T16:12:00","guid":{"rendered":"https:\/\/www.credit-score.co.uk\/blog\/?p=8656"},"modified":"2025-10-12T09:52:31","modified_gmt":"2025-10-12T09:52:31","slug":"lendable-loan-review","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/loans\/lendable-loan-review\/","title":{"rendered":"Lendable Loans: Bad Credit Loans Pros, Cons &amp; Features"},"content":{"rendered":"\n<p>\u200bLendable offers unsecured personal loans ranging from \u00a31,000 to \u00a325,000, with repayment terms between 1 to 5 years. The Annual Percentage Rate (APR) varies from 9.9% to 49.9%, depending on the applicant&#8217;s credit profile.\u200b <\/p>\n\n\n\n<p><strong>Eligibility Criteria:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Age Requirement:<\/strong> Applicants must be at least 18 years old.\u200b<\/li>\n\n\n\n<li><strong>Credit Assessment:<\/strong> Lendable evaluates applicants based on their credit history and financial circumstances. While they consider individuals with varying credit backgrounds, those with higher credit scores may receive more favorable rates.\u200b<\/li>\n<\/ul>\n\n\n\n<p><strong>Representative Example:<\/strong><\/p>\n\n\n\n<p>Borrowing \u00a37,500 over 36 months results in monthly repayments of \u00a3303.27, with a fixed interest rate of 24.4% per annum. The representative APR is 29.7%, leading to a total repayment of \u00a310,917.84, which includes a loan fee of \u00a3440. <\/p>\n\n\n\n<p><strong>Illustrative APRs Based on Credit Bands:<\/strong><\/p>\n\n\n\n<p>Lendable provides indicative APRs based on credit standings:\u200b<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Credit Band<\/th><th>Illustrative APR<\/th><th>Monthly Repayment (for \u00a310,000 over 4 years)<\/th><\/tr><\/thead><tbody><tr><td>Great<\/td><td>14.0%<\/td><td>\u00a3253<\/td><\/tr><tr><td>Good<\/td><td>19.3%<\/td><td>\u00a3270<\/td><\/tr><tr><td>Fair<\/td><td>28.4%<\/td><td>\u00a3299<\/td><\/tr><tr><td>Limited<\/td><td>48.8%<\/td><td>\u00a3363<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>These figures are illustrative; actual rates may differ based on individual assessments.<\/p>\n\n\n\n<p><strong>Application Process:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Online Application:<\/strong> Prospective borrowers can apply through Lendable&#8217;s website, receiving instant decisions without impacting their credit score.\u200b <\/li>\n\n\n\n<li><strong>Funding:<\/strong> Upon approval, funds are typically disbursed on the same day.\u200b<\/li>\n<\/ul>\n\n\n\n<p><strong>Customer Support:<\/strong><\/p>\n\n\n\n<p>Lendable&#8217;s customer service is available seven days a week to assist applicants and borrowers. <a href=\"https:\/\/cryptogamingca.com\/\">https:\/\/cryptogamingca.com\/<\/a> \u200b<\/p>\n\n\n\n<p>Before committing to a loan, it&#8217;s essential to assess your financial situation and ensure the repayments are manageable. Comparing offers from multiple lenders can help secure the most favorable terms.<\/p>\n\n\n\n<!-- CREDIT 1 CTA - Lenders don't use your credit score! -->\n<style>\n  .cta-why {\n    border-top: 4px solid #41AC86;\n    background-color: #FEF7EB;\n  }\n<\/style>\n\n<section class=\"cta-why my-4\">\n  <div class=\"container p-4\">\n    <span class=\"font-weight-bold d-block mb-3\">\ud83d\ude32 LENDERS DON\u2019T USE YOUR CREDIT SCORE!<\/span>\n    <ul class=\"list-unstyled ml-0\">\n      <li>\u2b50 Our 24-Factor Credit Check goes beyond your credit score.<\/li>\n      <li>\u2b50 See your credit report through a lender\u2019s eyes.<\/li>\n      <li>\u2b50 Personalised steps to improve your credit rating.<\/li>\n    <\/ul>\n\n    <p>See&#8230; Fix&#8230; Borrow&#8230; with Credit-Score.<\/p>\n\n    <a href=\"https:\/\/www.check.co.uk\/register\" style=\"background-color: #41AC86; border-color: #41AC86;\" class=\"btn btn-success rounded-0 text-uppercase\">START FREE TRIAL<\/a>\n  <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"\u200bLendable offers unsecured personal loans ranging from \u00a31,000 to \u00a325,000, with repayment terms between 1 to 5 years.&hellip;\n","protected":false},"author":1,"featured_media":8657,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[275,279],"tags":[],"class_list":{"0":"post-8656","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-loans","8":"category-personal-loans"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2025\/03\/1200x630.jpg","author_info":{"display_name":"Credit Score UK","author_link":"https:\/\/www.check.co.uk\/blog\/author\/coco\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Lendable Loans: Bad Credit Loans Pros, Cons &amp; 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