This article analyzes the fusion dynamics of loosely bound and stable projectiles with Zr-target isotopes within the context of the coupled channel approach and the energy-dependent Woods-Saxon potential model(EDWSP model). In the case of the~(28) Si +~(90)Zr reaction, the coupling to the inelastic surface excitations results in an adequate description of the observed fusion dynamics while in case of the~(28) Si +~(94)Zr reaction, the coupling to collective surface vibrational states as well as the neutron(multi-neutron) transfer channel is necessary in the coupled channel calculations to reproduce the below-barrier fusion data. However, the EDWSP model calculation provides an accurate explanation of the fusion data of~(28) Si +~(90),~(94) Zr reactions in the domain of the Coulomb barrier. In the fusion of the~6 Li +~(90)Zr reaction, the inclusion of the nuclear structure degrees of freedom recovers the observed sub-barrier fusion enhancement but results in suppression of the above barrier fusion data by 34% with respect to the coupled channel calculations. Using EDWSP model calculations, this suppression factor is reduced by 14% and consequently, the above-barrier fusion data of~6Li+~(90)Zr reaction is suppressed by 20% with reference to the EDWSP model calculations.Such fusion suppression at above-barrier energies can be correlated with the breakup of the projectile(~6Li) before reaching the fusion barrier, as a consequence of low binding energy. This article analyzes the fusion dynamics of loosely bound and stable projectiles with Zr-target isotopes within the context of the coupled channel approach and the energy-dependent Woods-Saxon potential model (EDWSP model). In the case of the (28) Si + ~ (90) Zr reaction, the coupling to the inelastic surface excitations results in an adequate description of the observed fusion dynamics while in case of the ~ (28) Si + ~ (94) Zr reaction, the coupling to collective surface vibrational states However, the EDWSP model calculation provides an accurate explanation of the fusion data of ~ (28) Si + ~ (90), ~ (94) Zr reactions in the domain of the Coulomb barrier. In the fusion of the ~ 6 Li + ~ (90) Zr reaction, the inclusion of the nuclear structure degrees of freedom recovers the observed sub-barrier fusion enhancement but results in suppression of the above bar The EDWSP model calculations, this suppression factor is reduced by 14% and the above, the above-barrier fusion data of ~ 6Li + ~ (90) Zr reaction is suppressed by 20% with reference to the EDWSP model calculations. fusion fusion at above-barrier energies can be correlated with the breakup of the projectile (~ 6Li) before reaching the fusion barrier, as a consequence of low binding energy.