You’re not only building a brighter financial when you take out an Oakam loan

Effortless loans that are internet

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 day we help men and women because they achieve their funds targets, develop their credit profile and access much better loan prices. During the time that is same by making use of our mobile application to repay on time, Oakam consumers are changing the financing business, making credit more affordable and much more obtainable for all.

Join our neighborhood of 150,000+ clients.

Brand New client? 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 loan providers right here.

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

  • Access less expensive pricing in the long run and boost your credit score
  • Rapidly graduate to prices less than numerous charge cards
  • Borrow as much as ?5,000 while you create your credit profile
  • No setup fees. No late or very early payment fees

*subject to terms

Apply with full confidence

Fill our protected application that is online get a determination in moments. No setup charges, no late charges with no very early payment costs.

Begin your Oakam trip

Place your loan to do business with the Oakam software, increase your credit score with time and create your option to a better economic future.

Tailor your loan

Access lower prices and larger quantities as you repay your loan. Borrow as much as ?5,000 in the long run. 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 objective which will make credit that is accessible truth for all.

Install our mobile app

The Oakam cellular app will enable you to use along with assistance you manage your loan:

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

Reasons why you should join Oakam

Bad credit? We will pay attention

We’ll tune in to your tale if you should be on benefits, have bad credit score or simply just found its way to great britain. We’ve caused it to be our goal to split down economic barriers and boost access for several.

No residence visits – previously!

Cash is a matter that is private we ensure that is stays by doing this. Think about us as an option to doorstep financial financial loans. We’ll never ever hit in your home and you will constantly achieve us using the internet or higher the device.

No concealed surprises

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

Your connection to a brighter economic future

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

Manage your loan aided by the Oakam app

Access your loan and repayment schedule by getting our application, thereby applying for tops ups and brand-new financial loans in the long term.


Oakam provides easy and easy monetary solutions for those who find it hard to borrow from banking institutions. You can expect accountable use of credit and are also aimed at offering our clients with value.

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, by utilizing our mobile application to settle on time, Oakam consumers are transforming the lending business, making credit less costly and much more available for all.

How exactly does it work?

It’s simple! It is possible to use on our site, or via our mobile application. The application may be downloaded through the Apple iStore for iPhone devices, or in the Bing Enjoy shop for Android os products. In the event your application is authorized, the bucks is delivered to your money regarding the day that is same. Most candidates that are successful their particular loans within a few hours to be authorized.*

*Subject to condition. From the application, we’re going to ask you to answer for the monthly earnings and expenditure in information, to be able to make sure you really can afford the month-to-month repayments throughout the lifetime of the mortgage.

Does Oakam execute a credit search?

Yes. But we try not to base our decision solely on your credit score. At Oakam we recognize that life doesn’t go as planned always. We comprehend you may have a poor credit history that you may have run into financial difficulties in the past and as a consequence. Unlike various various other loan providers though, Oakam will likely not immediately blacklist you have actually missed repayments. Your credit rating and affordability assessment assist us understand your situation that is current when assess the application for a financial loan.

So, even if you’ve been declined by other lenders in past times, we may remain in a position to assist.

Im not used to the UK. Can Oakam help me to with that loan?

Yes. We ask you have already been a resident in the united kingdom for at the least half a year before you apply for a financial loan with us. All financial loans are susceptible to cost inspections along with your economic standing. We welcome new clients every single day and, because our web application procedure is completely computerized, it is possible to use if you need certainly to, seven days per week. Our financial loans are susceptible to your monetary condition.

So what does APR imply?

APR represents Annual Percentage Rate.

The APR is really a measure that is standard across all credit items to aid consumers compare the expense of financial loans. As the APR reflects the annual price of cost for a financial loan, it’s not constantly a measure that is easy comprehend when you compare financial loans of various lengths.

The APR is, properly, a efficient contrast tool for comparable items, but additionally to your APR, we constantly demonstrate the sum total price of that loan as well as the specific instalments, in other words. what you will really pay back in complete. We think these details offers you a fuller image of the expenses of your loans and may help you create a decision that is informed certainly one of our financial loans would work for your needs.

I am self-employed. Can I have that loan?

Yes, at the mercy of your economic standing.

Can I have shared application with my companion?

No. We just provide to individuals therefore we usually do not take combined programs.