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  • Loan application checklist

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

    1. 18+ years old
    2. A UK resident
    3. Income £400+ (salary & benefits)
    4. Valid Bank Card
    5. UK Bank Account

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

    1. Proof of address
    2. Proof of income
    3. 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