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

Ask Oakam

We love to say yes! 

Been refused credit?  

Our loans are a starting point to get you into the credit market and can help you build your credit history! 

Pop into one of our stores and speak to one of our friendly staff who will take you through each step of the loan application. 

Ask us about borrowing from £200 to £1750 for 3 to 12 months. 

1421% APR representative (variable).

1584.5% APR representative based on an annual interest rate of 290.1% (variable). Representative example: Borrow £250 over 13 weekly periods, first instalment £33.53 then 12 instalments of £27.55. Total repayable £364.13, total cost of credit £114.13. Rate varies by term selected. Representative APR is calculated for this specific term.

This rate is subject to change and the representative APR may not be the rate you'll receive. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and term. For an Oakam Loan the APR you could recieve ranges between Min APR 223%, Max APR 1596.1%

All loans are subject to status. Terms and conditions apply.  

1416.9% APR representative based on an annual interest rate of 279% (variable). Representative example: Borrow £740 over 26 weekly periods, first instalment £76.12 then 25 instalments of £53.43. Total repayable £1,411.87, total cost of credit £671.87. Rate varies by term selected. Representative APR is calculated for this specific term.

This rate is subject to change and the representative APR may not be the rate you'll receive. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and term. For an Oakam Loan the APR you could recieve ranges between Min APR 223%, Max APR 1596.1%

All loans are subject to status. Terms and conditions apply. 

98.8% APR representative based on an annual interest rate of 69% (variable). Representative example: Borrow £2,500 over 52 weekly periods, first instalment £76.34 then 51 instalments of £66.86. Total repayable £3,486.20, total cost of credit £986.20. Rate varies by term selected. Representative APR is calculated for this specific term.

This rate is subject to change and the representative APR may not be the rate you'll receive. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and term. For a Lift Loan the APR you could recieve ranges between Min APR 55.3%, Max APR 98.9%

All loans are subject to status. Terms and conditions apply.
Other loan products between £200 and £1,750 at different rates are also available.

336% APR representative based on an annual interest rate of 149% (variable). Representative example: Borrow £1,200 over 52 weekly periods, first instalment £54.48 then 51 instalments of £44.66. Total repayable £2,332.14, total cost of credit £1,132.14. Rate varies by term selected. Representative APR is calculated for this specific term.

This rate is subject to change and the representative APR may not be the rate you'll receive. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and term. For an Oakam Loan the APR you could recieve ranges between Min APR 223%, Max APR 1596.1%

All loans are subject to status. Terms and conditions apply.
Other loan products between £1000 and £5000 at different rates are also available.

73.1% APR representative based on an annual interest rate of 55% (variable). Representative example: Borrow £3,000 over 104 weekly periods, first instalment £61.30 then 103 instalments of £47.70 Total repayable £4,974.40, total cost of credit £1,974.40. Rate varies by term selected. Representative APR is calculated for this specific term.

This rate is subject to change and the representative APR may not be the rate you'll receive. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and term. For a Lift Loan the APR you could recieve ranges between Min APR 55.3%, Max APR 98.9%

All loans are subject to status. Terms and conditions apply.

56.7% APR representative based on an annual interest rate of 45% (variable). Representative example: Borrow £5,000 over 156 weekly periods, first instalment £70.89 then 155 instalments of £58.53. Total repayable £9,143.04, total cost of credit £4,143,04. Rate varies by term selected. Representative APR is calculated for this specific term.

This rate is subject to change and the representative APR may not be the rate you'll receive. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and term. For a Lift Loan the APR you could recieve ranges between Min APR 55.3%, Max APR 98.9%

All loans are subject to status. Terms and conditions apply.

People, not machines make our loan decisions

Our friendly staff are trained to thoroughly assess your loan application before offering you a loan. They will take you through each step of the loan application and explain any financial jargon to you in plain English. 

No embarrassing moments

Repayments are taken automatically from your bank account.  There’ll be no need to visit your home to collect the payment so you won’t need to worry about that! We’ll also send you a message before taking any money from your account just so you are aware.  

A payment schedule that's timed to suit you  

Our loan repayment method is flexible, this means you could choose from weekly or bi-weekly payments. Just let us know which one you prefer.  Feel free to speak to us if you have any concerns about making your repayments on time. 

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  • Build your credit history

    We report your repayment behaviour back to credit reference agencies. This means that you can build your credit history if you make payments on time.  

  • No late fees 

    We understand that sometimes things don’t go as you planned; therefore, we won’t charge you for late payments. Instead, we’ll work with you to figure out more convenient time to make your payments. Please note, late payments will have an adverse effect on your credit rating.

 

Find out more about the Oakam loan.  

 

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Basic requirements

We have basic requirements that we will check for before offering you a loan.  We will carry out a credit check, identity check and affordability check using details from your income and expenditure. 

We will also check that you are;  

  1. Over 18+ years old
  2. Have been a UK Resident for at least 6 months
  3. Earn at least £400 in monthly income (this includes salary or benefits)