Every time we help individuals because they achieve their cash objectives

Apply with certainty

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Fill our protected application that is online get a choice in mins. No setup costs, no belated fees with no repayment that is early.

Begin your Oakam trip

Place your loan to work well with the Oakam software, increase your credit history with time and grow your solution to a brighter economic future.

Tailor your loan

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

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

We’re more than simply a money-lender: we’re for a goal to produce credit that is accessible reality for several.

Install our cellular software

The Oakam app that is mobile permit you to apply along with assistance you handle your loan:

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

Reasons why you should join Oakam

Bad credit? We will tune in

We’ll tune in to your tale if you’re on advantages, possess a credit that is bad or simply just found its way to the united kingdom. We’ve caused it to be our goal to split down economic barriers and enhance accessibility for several.

No residence visits – previously!

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

No concealed shocks

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

Your connection to a brighter economic future

You can unlock lower rates, bigger amounts and longer terms as you pay back your Oakam loan. It’s our means of working for you create your credit profile in the long run.

Manage your loan because of the Oakam software

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


Oakam provides direct and easy services that are financial those who find it hard to borrow from financial institutions. You can expect accountable usage of credit and therefore are focused on providing our consumers with value.

Every we support people as they achieve their money goals, build their credit profile, and access better loan rates day. During the time that is same by utilizing our cellular application to settle on time, Oakam consumers are changing the financing business, making credit less costly and much more obtainable for everybody.

How exactly does it work?

It’s simple! You are able to use on our internet site, or via our cellular software. The software could be downloaded through the Apple iStore for iPhone products, or regarding the Bing Enjoy Store for Android os products. If for example the application is authorized, the money could be provided for your money in the day that is same. Many successful candidates obtain their particular financial financial financial loans within a few hours of being authorized.*

Subject to standing. From the application, we are going to ask you to answer for the month-to-month earnings and spending in information, so that you can make sure you really can afford the month-to-month repayments throughout the lifetime of the loan.

Does Oakam do a credit search?

Yes. But we try not to solely base our decision on your credit rating. At Oakam we recognize that life does not constantly get as prepared. We realize you may have a poor credit history that you may have run into financial difficulties in the past and as a consequence. Unlike various other loan providers though, Oakam will not immediately blacklist you have actually missed repayments. Your credit rating and cost assessment assist us comprehend your present circumstance once we assess the application for a financial loan.

Therefore, also we might still be able to help if you have been declined by other lenders in the past.

I’m not used to the united kingdom. Can Oakam assist me with that loan?

Yes. We ask which you have now been a citizen in britain for at the very least a few months before you apply for a loan with us. All financial loans tend to be susceptible to affordability inspections as well as your monetary condition. We welcome new clients every single day and, because our application that is online process completely computerized, you are able to use when you need certainly to, seven days per week. Our loans tend to be at the mercy of your monetary standing.

So what does APR imply?

APR signifies Apr.

The APR is just a measure that is standard across all credit services and products to aid customers compare the expense of loans. Since the APR reflects the yearly price of cost for a financial loan, it is really not constantly a simple measure to realize when you compare financial financial financial loans various lengths.

The APR is, correctly, a efficient contrast device for comparable items, and also to your APR, we constantly demonstrate the full total price of that loan therefore the specific instalments, in other words. what you will really pay off in complete. We think this information provides you with a fuller image of the expense of your financial loans and really should help you produce a decision that is informed certainly one of our financial financial loans would work for you personally.

I will be self-employed. Can I have that loan?