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

Loan application checklist

To apply for a loan with us you need to be:

18+ years old

A UK resident

 Income £400+ (salary & benefits)

Valid Bank Card

UK Bank Account

In some cases you may also need to provide us with:

 Proof of address

 Proof of income

 Proof of ID 

Click here to find out more about types of proof we accept.

Unlike many short-term lenders we at Oakam look at your individual circumstances, which mean that we may lend to you even if you have:

  • Been turned down for credit before
  • Have recently moved to the UK
  • Are self employed
  • Had CCJs in the past

As a responsible lender we are not able to help you if you are:

  • In debt management
  • Bankrupt or have an IVA

Lift Loan
73.1% representative (variable)

Oakam Loan
1421% representative (variable)

Your application