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  • Why choose our loans?

    There are many short-term loan providers to choose from. Here are a few reasons why we think you should choose Oakam



    Bad credit? We'll listen

    We’ll listen to your story if you are on benefits, have a bad credit history or just arrived in the UK. We’ve made it our mission to break down financial barriers and increase access for all.


    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 and you can always reach us online or over the phone.


    No hidden surprises

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


    Your bridge to a brighter financial future

    As you pay back your Oakam loan, you can unlock better rates, bigger amounts and longer terms. It’s our way of helping you build your credit profile over time.


    Earn great rewards with Oakam’s app

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

    We speak your language

    English not your first language?  Our dedicated advisors speak over 20 different languages. They’ll explain everything you need to know in your native tongue and guide you through the loan application process.

    Speak to a person, not a robot

    Whether you apply for a loan online or via our App, you’ll still get to speak to a person, not a robot.

    Our customers love us!

    90% of our customers rated our customer service 4/5 or 5/5 and 55% take out another loan.*  Listen to what they have to say about our customer service.