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

For existing customers, we're taking steps to help ease the burden of loan repayment. Find out more about how we can help during this uncertain time. Read more

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
  • 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