Better money,
Brighter future.

On Benefits & CCJs OK

Get cheaper pricing over time

Earn great rewards with our app

 

Start today with a loan from £200 to £1,000

Borrow up to £5,000 over time

Apply now Existing customer? Apply here

Fast

No late fees

Direct lender, not a broker

1421% APR representative (variable)

 

Compare Oakam with other lenders here

Join the 150,000+ customers that trust us

“I think it has improved my credit rating, which makes the future a lot brighter”

Melanie, London

45% of our existing customers received better pricing on their next loan#

5 Reasons to join Oakam

1. Bad credit? We'll listen

We’ll listen to your story if you are on benefits, have a bad credit history or just arrived to the UK. We strive to break down financial barriers and provide access.

2. No home visits - ever!

Money is a private matter and we keep it that way.  Think of us as an alternative to doorstep loans. We’ll never knock on your door. You can reach us online, over the phone or your nearest store.   

3. No hidden surprises

At Oakam you’re always in control. You can choose from weekly or 2-weekly payment plans. Our products are simple and transparent. We don’t charge late fees or penalise you for settling early.

4. Your bridge to a brighter financial future

We give you the tools to build a brighter financial future. With good repayment behaviour, you could have the flexibility to top-up your loan at a lower price or borrow up to £5,000 for a large purchase.

5. Earn great rewards with Oakam’s app

We stand by you when times are tough AND reward your loyalty. Start earning points by simply downloading our app, paying on time and referring friends.

Join the Oakam family

1

Apply with confidence

Fill our secure online application and get a pre-decision in minutes.

2

Tailor your loan

Send your documents and get a final decision. You can also visit us at your nearest Oakam store

3

Start your Oakam journey

Put your approved loan amount to work. You’re on your way to a brighter financial future.

June 23, 2017

We're a Consumer Credit Awards 2017 finalist!

Compare our loans

Can’t decide which one would be best for you? See our loan comparison tool

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