Every we support people as they achieve their money goals day

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You’re not only building a brighter financial future for yourself, you’ll be part of a like-minded community that is improving access to affordable credit for all when you take out an Oakam loan

Every time we help individuals while they achieve their cash objectives, develop their credit profile and accessibility much better loan prices. During the exact same time, simply by using our cellular application to settle on time, Oakam clients are changing the lending industry, making credit less costly and much more available for everybody.

Join our community of 150,000+ clients.

Brand brand New consumer? Begin with a loan from ?100 to ?800 today. Fast recovery without any belated costs

279% fixed yearly rate of interest (1427% APR representative)pare Oakam along with other lenders right right here.

Current consumers can borrow as much as ?5,000 and graduate to a yearly interest of 49% (variable) with this Big loan that is plus.

  • Access less expensive prices as time passes and enhance your credit history
  • Quickly graduate to prices less than numerous bank cards
  • Borrow as much as ?5,000 while you create your credit profile
  • No setup costs. No late or very early payment charges

*subject to terms

Apply with full confidence

Fill our safe online application and get a choice in mins. No setup fees, no late costs with no very early payment charges.

Begin your Oakam trip

Place your loan to work alongside the Oakam application, increase your credit score with time and create your option to a brighter future that is financial.

Tailor your loan

Accessibility lower prices and larger quantities as you repay your loan. Borrow as much as ?5,000 as time passes. Learn more

Get in on the customers that are 150,000 trust us

We’re more than simply a money lender: we’re on a goal to help make obtainable credit a truth for several.

Install our cellular software

The Oakam app that is mobile enable you to use along with assistance you handle your loan:

  • Make an application for a loan
  • Look at your outstanding stability
  • Visit your repayment that is next time
  • Assessment your payment routine

Reasons why you should join Oakam

Bad credit? We are going to tune in

We’ll hear your tale if you should be on advantages, have bad credit score or simply found its way to the united kingdom. We’ve caused it to be our mission to split down barriers that are financial enhance accessibility for several.

No residence visits – previously!

Money is a exclusive matter and we ensure that is stays in that way. Think about us as an option to doorstep loans. We’ll never ever hit on your own home and you will constantly achieve us using the internet or higher the device.

No surprises that are hidden

At Oakam you’re constantly in charge. Our items are easy and transparent. We don’t charge late costs and there’s no cost connected with repaying early.

Your connection up to a brighter economic future

While you pay off your Oakam loan, you can easily unlock reduced rates, larger amounts and longer terms. It’s our means of working out for you create your credit profile with time.

Manage your loan utilizing the Oakam software

Access your loan and payment routine by getting our software, thereby applying for tops ups and brand-new financial loans in the long run.


Oakam provides easy and easy services that are financial individuals who battle to borrow from finance companies. We provide accountable use of credit and are usually specialized in offering our clients with respect.

Every we support people as they achieve their money goals, build their credit profile, and access better loan rates day. During the exact same time, through the use of our cellular software to settle on time, Oakam clients are transforming the lending business, making credit more affordable and much more obtainable for all.

How can it work?

It’s simple! It is possible to apply on our site, or via our cellular software. The software could be downloaded through the Apple iStore for iPhone products, or in the Bing Enjoy shop for Android os products. In case your application is approved, the money are delivered to your money on the exact same time. Many candidates that are successful their particular financial loans within an hour or two to be authorized.*

Susceptible to standing. From the form, we’ll ask you for the monthly earnings and spending in information, so that you can make sure you can afford the monthly repayments on the lifetime of the mortgage.

Does Oakam execute a credit search?

Yes. But we usually do not solely base our decision on your credit score. At Oakam we recognize that life does not go as planned always. We understand you will probably have come across financial hardships in past times so when an effect, you’ve probably an unhealthy credit score. Unlike various other loan providers though, Oakam will likely not immediately blacklist you have actually missed repayments. Your credit score and cost assessment assist us comprehend your situation that is current when assess the job for a financial loan.

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Therefore, also if you’ve been declined by various other loan providers in past times, we possibly may nevertheless be in a position to assist.

I will be a new comer to the united kingdom. Can Oakam help me to with that loan?

Yes. We ask which you have already been a citizen in the united kingdom for at the very least a few months before you apply for a loan with us. All financial financial financial loans tend to be subject to cost inspections along with your economic standing. We welcome new clients each and every day and, because our web application procedure is completely computerized, you can easily use if you need certainly to, seven days per week. Our financial loans tend to be susceptible to your economic standing.

So what does APR suggest?

APR represents Apr.

The APR is really a measure that is standard across all credit services and products to simply help customers compare the expense of financial financial loans. Since the APR reflects the yearly rate of cost for a financial loan, it isn’t constantly a effortless measure to comprehend when you compare financial financial financial loans of various lengths.

The APR is, appropriately, a efficient contrast tool for comparable services and products, but additionally into the APR, we constantly demonstrate the sum total price of that loan additionally the specific instalments, for example. what you should repay in complete. We think these records provides you with a fuller image of the expense of your financial financial financial loans and may help you produce a informed choice whether certainly one of our financial financial loans works for you personally.

I will be self-employed. Can a loan is got by me?

Yes, at the mercy of your financial condition.

May I possess application that is joint my companion?

No. We only provide to individuals therefore we usually do not take applications that are joint.

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