build their credit profile and access better loan prices

build their credit profile and access better loan prices

Once you remove an Oakam loan, you’re not merely developing a brighter economic future on your own, you’ll be element of a like-minded community that is increasing usage of affordable credit for many

Every we support people as they achieve their money goals, build their credit profile and access better loan rates day. In the exact same time, by making use of our mobile app to settle on time, Oakam clients are changing the lending industry, making credit more affordable and much more accessible for everybody.

Join our community of 150,000+ clients.

Brand brand New customer? Begin today with that loan from ВЈ100 to ВЈ800. Fast turnaround without any fees that are late

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

Current clients can borrow up to ВЈ5,000 and graduate to a yearly interest rate of 49% (variable) with your Big loan that is plus.

  • Access cheaper prices as time passes and enhance your credit history
  • Quickly graduate to prices less than many charge cards
  • Borrow as much as ВЈ5,000 while you create your credit profile
  • No setup costs. No late or very early payment costs

at the mercy of terms

Apply with confidence

Fill our protected online application and get a determination in moments. No setup charges, no belated charges with no repayment that is early.

Begin your Oakam journey

Place your loan to work alongside the Oakam application, develop your credit score with time and create your solution to a brighter economic future.

Tailor your loan

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

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

We’re more than simply a cash loan provider: we’re on an objective to create available credit a truth for many.

Install our mobile software

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

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

Reasons why you should join Oakam

Bad credit? We will pay attention

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

No house visits – ever!

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

No concealed shocks

At Oakam you’re constantly in charge. Our items are easy and clear. We don’t charge late charges and 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 grow your credit profile with time.

Handle the Oakam app to your loan

Access your loan and payment routine by getting our application, and use for tops ups and brand new loans in the near future.


Oakam provides direct and easy services that are financial individuals who find it hard to borrow from banking institutions. We provide accountable usage of credit and so are focused on serving our customers with respect.

Every time we help individuals while they achieve their funds objectives, build their credit profile, and access better loan prices. During the time that is same by making use of our mobile application to settle on time, Oakam clients are changing the lending industry, making credit more affordable and much more available for everybody.

How can it work?

It’s simple! It is possible to use on our site, or via our mobile application. The software could be downloaded through the Apple iStore for iPhone products, or in the Bing Enjoy shop for Android os products. Should your application is authorized, the cash could be provided for your money in the exact same time. Many candidates that are successful their loans within an hour or two to be authorized.

At the mercy of status. Regarding the form, we are going to ask you to answer for the income that is monthly and in information, to be able to concur that you’ll manage the month-to-month repayments throughout the life of the mortgage.

Does Oakam execute a credit search?

Yes. But we try not to base our choice entirely on your credit rating. At Oakam we realize 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 other loan providers though, Oakam will maybe not immediately blacklist you have missed repayments. Your credit rating and affordability assessment assist us comprehend your present situation as soon as we assess the job for a financial loan.

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

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

Yes. We ask you have already been a resident in the united kingdom for at the very least six months before you apply for a financial loan with us. All loans are susceptible to affordability checks along with your monetary status. We welcome new clients each and every day and, because our application that is online process completely automatic, you are able to use once you have to, seven days per week. All our loans are at the mercy of your monetary status.

Just what does APR suggest?

APR stands for Apr.

The APR is really a measure that is standard across all credit items to greatly help customers compare the expense of loans. Since the APR reflects the yearly price of charge for a loan, it is really not constantly a measure that is easy comprehend when you compare loans of various lengths.

The APR is, correctly, a powerful contrast device for comparable services and products, and also into the APR, we always explain to you the full total price of that loan therefore the specific instalments, in other terms. what you would pay off in complete. We think these records offers you a fuller image of the expenses of y our loans and really should help you produce the best decision whether certainly one of our loans would work for you personally.

I will be self-employed. Can we get that loan?

Yes, at the mercy of your economic status.

Am I able to have a application that is joint my partner?

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