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

We help people with bad credit

We look beyond your credit score

At Oakam, we specialise in looking beyond a credit score.  We believe in making credit accessible.  You shouldn’t be barred from accessing credit because of your score alone or because you don’t understand the financial system.

Our advisors will happily sit down over a cup coffee or tea and explain everything to you in plain English. If English is not your native language, no problem, our staff speak over 27 different languages! At Oakam, we are not just there for an emergency, although we try to help there too.

Oakam are there for the long haul and we like to build a relationship with our customers.

Top ups

Once you’ve been with Oakam for a while and made your first set of repayments, we could lend you additional capital in top ups.  

Reduced rates on future loans

Once you have paid off your loan, your history with us could also make you eligible for lower rates on a future loan.

Improve your credit rating

Through it all, we report back to credit reference agencies on your repayments and a good repayment history with us can also help improve your credit score and thus improve the likelihood that you could qualify for other financial products elsewhere.

Lift Loan
73.1% representative (variable)

Oakam Loan
1421% representative (variable)

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