How our loans work

Applying for a loan

At Oakam we provide personal loans with a personal service and we look at your individual circumstances when reviewing your application. To apply follow these simple steps:

As a responsible lender, our priority is to ensure that you can afford your loan re-payments.  As a result, our customer advisers will assess your financial situation before they can approve your loan. 

  • Apply for a loan - You can apply online, in one of our stores or by calling us on 020 8819 3767
  • Speak to us - In some cases, we may need to speak to you and request additional documentation
  • Same day approval - We aim to accept not reject and if accepted you could have the money the very same day you apply

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