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

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