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

Better money,
Brighter future.

On Benefits & CCJs OK

Get cheaper pricing over time

Earn great rewards with our app


Start today with a loan from £100 to £750 for new customers

Borrow up to £5,000 over time

Apply now


No late fees

Direct lender, not a broker

1421% APR representative (variable)


Compare Oakam with other lenders here

Join the 150,000+ customers that trust us

“I think it has improved my credit rating, which makes the future a lot brighter”

Melanie, London

45% of our existing customers received better pricing on their next loan#

5 Reasons to join Oakam

1. Bad credit? We'll listen

We’ll listen to your story if you are on benefits, have a bad credit history or just arrived to the UK. We strive to break down financial barriers and provide access.

2. No home visits - ever!

Money is a private matter and we keep it that way.  Think of us as an alternative to doorstep loans. We’ll never knock on your door. You can reach us online or over the phone.

3. No hidden surprises

At Oakam you’re always in control. You can choose from weekly or 2-weekly payment plans. Our products are simple and transparent. We don’t charge late fees or penalise you for settling early.

4. Your bridge to a brighter financial future

We give you the tools to build a brighter financial future. With good repayment behaviour, you could have the flexibility to top-up your loan at a lower price or borrow up to £5,000 for a large purchase.

5. Earn great rewards with Oakam’s app

We stand by you when times are tough AND reward your loyalty. Start earning points by simply downloading our app, paying on time and referring friends.

Join the Oakam family


Apply with confidence

Fill our secure online application and get a pre-decision in minutes.


Tailor your loan

Send your documents and get a final decision.


Start your Oakam journey

Put your approved loan amount to work. You’re on your way to a brighter financial future.

June 23, 2017

We're a Consumer Credit Awards 2017 finalist!

Compare our loans

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