build their credit profile and access better loan prices

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 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 making use of our mobile software to settle on time, Oakam clients are changing the financing industry, making credit more affordable and much more available for all.

Join our community of 150,000+ clients.

brand New client? Begin today with that loan from ВЈ100 to ВЈ800. Fast turnaround without any belated costs

279% fixed annual rate of interest (1427% APR representative)pare Oakam along with other loan providers right right here.

Current clients can borrow as much as ВЈ5,000 and graduate to an annual interest of 49% (variable) with this Big loan that is plus.

  • Access cheaper prices as time passes and boost your credit score
  • Quickly graduate to prices lower than numerous bank cards
  • Borrow as much as ВЈ5,000 while you create your credit profile
  • No setup fees. No late or repayment that is early

at the mercy of terms

Apply with full confidence

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

Begin your Oakam journey

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

Tailor your loan

Access lower prices and larger quantities as you repay your loan. Borrow as much as ВЈ5,000 as time passes. Discover more

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

We’re more than simply a cash lender: we’re on a objective in order to make available credit a truth for several.

Install our mobile application

The Oakam mobile software will enable you to use along with assistance you handle your loan:

  • Submit an application for a loan
  • Check always your outstanding stability
  • See your next payment time
  • Review your payment routine

Reasons why you should join Oakam

Bad credit? We are going to pay attention

We’ll tune in to your tale if you should be on advantages, have credit that is bad or simply just found its way to the united kingdom. We’ve caused it to be our objective to split down barriers that are financial enhance access for several.

No house visits – ever!

Cash is a matter that is private we keep it this way. Think about us as an option to doorstep loans. We’ll never ever knock on your own home and you may constantly achieve us online or higher the device.

No concealed shocks

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

Your connection to a brighter future that is financial

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

Handle your loan with all the Oakam application

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


Oakam provides simple and easy services that are financial individuals who find it hard to borrow from banking institutions. We provide accountable use of credit and they are aimed at serving 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, making use of our mobile application to settle on time, Oakam customers are changing the financing industry, making credit less costly and much more available for everybody.

How exactly does it work?

It’s simple! It is possible to use on our site, or via our mobile software. The software may be downloaded through the Apple iStore for iPhone products, or from the Bing Enjoy shop for Android os products. In case your application is authorized, the money are provided for your money on the day that is same. Many candidates that are successful their loans within a few hours to be approved.

Susceptible to status. Regarding the form, we are going to ask you to answer for the income that is monthly and in information, so that you can concur that it is possible to pay for the month-to-month repayments within the lifetime of the mortgage.

Does Oakam do a credit search?

Yes. But we don’t solely base our decision on your credit rating. At Oakam we realize that life does not 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 other loan providers though, Oakam will likely not immediately blacklist you have missed repayments. Your credit score and affordability assessment assist us understand your present situation whenever we assess the application for a financial loan.

Therefore, also for those who have been declined by other loan providers in past times, we may be in a position to assist.

I’m a new comer to the united kingdom. Can Oakam help me to with financing?

Yes. We ask which you have now been a resident in britain for at the very least six months before using for a loan with us. All loans are at the mercy of affordability checks as well as your economic status. We welcome new clients each day and, because our online application procedure is completely automatic, it is possible to use once you need certainly to, seven days per week. All our loans are at the mercy of your economic status.

Exactly What does APR suggest?

APR represents Apr.

The APR is a measure that is standard across all credit items to assist customers compare the price of loans. As the APR reflects the yearly price of cost for a financial loan, it isn’t always a measure that is easy realize when you compare loans of various lengths.

The APR is, properly, a comparison that is effective for comparable items, and also to your APR, we always explain to you the full total price of that loan therefore the individual instalments, in other words. what you will really pay off in full. We think these details provides a fuller image of the expense of y our loans and really should help you create a decision that is informed certainly one of our loans works for your needs.

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

Yes, at the mercy of your economic status.

May I have joint application with my partner?

No. We just lend to people therefore we usually do not accept joint applications.