build their credit access and profile better loan prices

build their credit access and profile better loan prices

You’re not only building a brighter financial future for yourself, you’ll be part of a like-minded community that is improving access to affordable credit for all when you take out an Oakam loan

Every time we help individuals because they achieve their funds goals, build their credit profile and access better loan prices. During the exact same time, by making use of our mobile software to settle on time, Oakam clients are changing the financing industry, making credit more affordable and much more available for all.

Join our community of 150,000+ customers.

Brand New client? Begin with a loan from ВЈ100 to ВЈ800 today. Fast turnaround without any fees that are late

279% fixed interest that is annual (1427% APR representative)pare Oakam along with other lenders right here.

Current clients can borrow as much as ВЈ5,000 and graduate to a yearly interest of 49% (variable) with your Big Plus loan.

  • Access cheaper rates with time and boost your credit history
  • Quickly graduate to prices less than numerous bank cards
  • Borrow as much as ВЈ5,000 as you grow your credit profile
  • No setup fees. No late or repayment that is early

susceptible to terms

Apply with full confidence

Fill our protected application that is online get a choice in moments. No setup charges, no late costs with no repayment that is early.

Begin your Oakam journey

Place your loan to work well with the Oakam software, grow your credit score with time and create your option to a brighter monetary future.

Tailor your loan

Access lower prices and larger amounts as you repay your loan. Borrow as much as ВЈ5,000 as time passes. Learn more

Join the customers that are 150,000 trust us

We’re more than simply a cash loan provider: we’re on a objective to create available credit a truth for several.

Install our mobile application

The Oakam mobile software will enable you to use along with assistance you handle your loan:

  • Make an application for a loan
  • Look at your outstanding stability
  • See your next repayment time
  • Review your payment routine

Reasons why you should join Oakam

Bad credit? We are going to pay attention

We’ll tune in to your tale if you’re on advantages, have bad credit rating or simply found its way to great britain. We’ve caused it to be our objective to break down monetary barriers and enhance access for several.

No house visits – ever!

Cash is a personal matter and we keep it by doing this. Think about us as an option to doorstep loans. We’ll never knock on your own door and you may constantly achieve us online or higher the telephone.

No surprises that are hidden

At Oakam you’re constantly in charge. Our items are simple and clear. We don’t charge fees that are late there’s no cost connected with repaying early.

Your connection up to a brighter financial future

You can unlock lower rates, bigger amounts and longer terms as you pay back your Oakam loan. It’s our method of working for you create your credit profile with time.

Manage your loan with all the Oakam software

Access your loan and payment schedule by getting our software, thereby applying for tops ups and loans that are new the near future.


Oakam provides simple and easy services that are financial those who battle to borrow from banking institutions. We provide accountable usage of credit and so are focused on serving our clients with respect.

Every we support people as they achieve their money goals, build their credit profile, and access better loan rates day. In the exact same time, by making use of our mobile application to settle on time, Oakam clients are changing the financing industry, making credit more affordable and much more available for all.

So how exactly does it work?

It’s simple! It is possible to use on our web site, or via our mobile software. The application could be downloaded through the Apple iStore for iPhone products, or regarding the Bing Enjoy shop for Android os products. If for example the application is authorized, the bucks could be delivered to your money from the day that is same. Many candidates that are successful their loans within a few hours to be approved.

At the mercy of status. In the application, we shall ask you for the month-to-month earnings and spending in information, to be able to concur that you really can afford the monthly repayments throughout the life of the mortgage.

Does Oakam do a credit search?

Yes. But we usually do not solely base our decision on your credit rating. At Oakam we recognize that life does not constantly get as prepared. We comprehend that you may have come across financial hardships in the last and also as a consequence, you’ve probably an undesirable credit score. Unlike other loan providers though, Oakam will likely not automatically blacklist you have actually missed repayments. Your credit score and affordability assessment assist us comprehend your present situation whenever we assess the application for a financial loan.

Therefore, also when you yourself have been declined by other lenders in past times, we would remain in a position to assist.

I will be a new comer to great britain. Can Oakam assist me with financing?

Yes. We ask which you have now been a resident in the united kingdom for at the least half a year before you apply for a loan with us. All loans are at the mercy of affordability checks as well as your monetary status. We welcome new clients every single day and, because our online application procedure is completely automated, it is possible to use when you want to, seven days per week. All our loans are susceptible to your monetary status.

So what does APR suggest?

APR represents Apr.

The APR is really a measure that is standard across all credit services and products to aid customers compare the expense of loans. Since the APR reflects the yearly price of cost for the loan, it is really not constantly a measure that is easy comprehend when you compare loans of various lengths.

The APR is, consequently, a comparison that is effective for comparable items, but additionally to your APR, we constantly explain to you the full total price of financing and also the specific instalments, in other words. what you should pay off in complete. We think these details offers you a fuller image of the expense of y our loans and should help you create a decision that is informed certainly one of our loans would work for you personally.

I will be self-employed. Can I have that loan?

Yes, at the mercy of your financial status.

Can I have joint application with my partner?

No. We just provide to people therefore we don’t accept joint applications.