Loan decisions that aren't black & white

The Oakam Loan

£200 - £1,750

To settle your worries

1421% APR  
representative (variable) 

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The Lift Loan

£1,000 - £5,000

To bring you to the next level

96% APR 
 representative (variable)

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How much?

How many months?

Interest
£381.45
Weekly repayments*
£45.84
Total to repay
£984.02
Interest
Weekly repayments*
Total to repay
£381.45
£45.84
£984.02
1582% APR representative (variable)
1417% APR representative (variable)
328% APR representative (variable)
144% APR representative (variable)
76% APR representative (variable)
* Other terms available
1582% APR representative (variable)
1417% APR representative (variable)
328% APR representative (variable)
144% APR representative (variable)
76% APR representative (variable)

Human Decisions

Loan decisions made by people, not robots

Personalised interest
rates & no late fees

You may qualify for an annual interest rate between 45% and 291%. Apply now

Want to earn money?

Refer a friend and receive a £10 thank you from Oakam. The more friends you refer the more money you can earn. Learn more

 

1582% APR representative based on an annual interest rate of 290% (variable). Representative example: Borrow £360.14 over 13 weeks, first instalment £48.29 then 12 instalments of £39.68. Total repayable £524.45, total cost of credit £164.31.

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. Max APR 1596% over 3 months

All loans are subject to status. Terms and conditions apply, Oakam provide loans of between £200-£5000 repaid over 3 to 36 months. Interest rates and APR will vary based on your selection of term and amount, the information above reflects the selections you have made on this site.

Award winning app  for existing customers


Start using it today to check your balance, repayment schedule and top-up your existing loan. Learn more

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What our customers say about Oakam


Watch our customers share their Oakam experiences! 

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  • 20+

    languages
    spoken

  • 22

    local
    stores

  • 45%

    of customers
    were referred*

  • 90%

    rate us good /
    very good**

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