Bonus Loan Calculator

See typical repayment options by selecting the amount you wish to borrow and when you receive your income.

This repayment information is for illustrative purposes only. The repayment amounts and Bonus Reward stated assume that you are placed on the highest pricing status as a new Oakam customer (Bronze pricing) and that repayments are made on assumed dates. You will be shown your exact, personal loan options on application.

If you are an existing customer you may be able to borrow up to £5,000 and your pricing may differ depending on your pricing status (customers with Silver or Gold Pricing may pay lower interest). Call us or visit one of our stores for quotes on larger loan amounts.

I want to repay
I want to borrow
£200 £600
I want to repay over
3 Months 6 Months

Your weekly repayment is: £15

Total Bonus Reward: £60

APR: 597.1%

Total repaid after Bonus received: £330

Subject to status. Terms and conditions apply, please see our Bonus Loan page for more details.

Representative example: Borrow £250 for 26 weeks. Interest rate: 715% p.a. (variable). 632%APR representative (variable). Total amount to repay: £472 as £18 per week (first repayment £22). Total cost of credit: £222 including £25 admin fee and £10 payout fee. (Total cost of credit is reduced to £149.33 by Bonus Reward of £72.67 for making all repayments in full and on-time)

Warning: Late repayment can cause you serious money problems. For help, go to

This is a high-cost credit product suitable for short-term needs and not for longer-term borrowing. All loans are subject to creditworthiness and affordability assessments.