Joe Towner
Senior Content Manager
Joe has covered the world of credit and finance since 2013, writing useful articles and building useful tools. He joined the Zable team (part of Lendable) in 2026 to help provide consumers with clear content that informs their financial wellbeing.
"Access to clear and concise information is a crucial part of empowering people when it comes to credit and financial products - helping eliminate confusion and intimidation one article at a time."
Articles by this author
Can I get a loan if I'm self-employed?
Being self-employed doesn't disqualify you from getting a loan in the UK. Here's what lenders look for and the options available.
Joe Towner
Jun 9, 2026
6 min read
The Cost of Missed Payments: The impact of missing credit card payments
New data reveals how many Brits have missed a credit card payment in the last 12 months, and the financial consequences of doing so.
Joe Towner
Jun 8, 2026
6 min read
What is a secured loan?
Learn what a secured loan is, the risks involved and how it compares to other types of loan.
Joe Towner
May 14, 2026
6 min read