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The Oakam challenge - an alternative to doorstep loans

Using a door step lender? Looking for an alternative?       

We could help you save money on your borrowing by reducing your interest rate. Please note, if you extend the term of the loan, you may pay back more in total interest.

Take the Oakam challenge below, to find out how we could save you money.

Borrow from £200 to £2,500 and pay it back over 3 to 24 months. 502% APR representative (variable). 

Make your life easier

Take out an Oakam challenge and we can guarantee the following... 

No waiting around for an agent.

Manage your loan 24/7 with our app.

Get rewarded for your loyalty

When you refer your friends, we will reward you with extra cash.

Earn £1 for each friend you refer.

Earn £3 for each friend applying for a loan.

Earn £10 when they get approved for a loan.

How to apply

  • Give us a call on 0208 819 3767.


  • Make sure you quote the 'Oakam challenge' when you apply.  

Please note - the Oakam Challenge is not available to apply for through our website, but you can talk to our staff by calling us on 0208 819 3767 to take the challenge!


502% Representative APR based on annual interest rate of 182.3% (variable). Representative example: Borrow £200 over 26 weekly periods. First instalment £15.86 then 25 instalments of £11.85 Total repayable £312.11, total cost of credit £112.11.

This rate is subject to change and the representative APR may not be the rate you'll receive. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and term. For the Oakam challenge loan, the APR you could receive ranges between Min APR 281%, Max APR 1458%.  

All loans subject to status. T&C’s apply

Lift Loan
73.1% representative (variable)

Oakam Loan
1421% representative (variable)

Your application