About us


Oakam was founded by the CEO, Frederic Nze in 2006 and started to trade in February 2007 when our first store opened in Walthamstow, London.

What we do

Oakam provides straightforward and simple financial services for people who find it difficult to borrow from banks. Our customers are either un-banked due to recently moving to the UK without a credit history or those under-banked due to getting into financial difficulty in the past. We aim to accept, not reject by considering more than just your credit score.

We currently have stores across London and the Midlands on high streets to make them accessible to the communities we serve and a telephone based Virtual Store to serve the rest of the UK.

Our Contact Centre is based in Croydon and our Head Office in Central London.  Our 260+ staff speak more than 20+ languages (and even more dialects) and live in the communities we serve.  If you are interested in joining our team, click here to see the opportunities that are currently available.

Lift Loan
73.1% representative (variable)

Oakam Loan
1421% representative (variable)

Your application

Get started by filling in a few details.  

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