build their credit profile and access better loan prices

build their credit profile and access 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 we support people as they achieve their money goals, build their credit profile and access better loan rates day. During the exact same time, through the use of our mobile software to settle on time, Oakam clients are changing the financing industry, making credit less costly and much more available for everybody.

Join our community of 150,000+ clients.

brand New client? Start with a loan from ВЈ100 to ВЈ800 today. Fast turnaround without any late costs

279% fixed yearly interest (1427% APR representative)pare Oakam along with other lenders here.

Existing clients can borrow as much as ВЈ5,000 and graduate to a yearly rate of interest of 49% (variable) with this Big loan that is plus.

  • Access cheaper prices as time passes and enhance your credit score
  • Quickly graduate to prices less than numerous charge cards
  • Borrow as much as ВЈ5,000 while you grow your credit profile
  • No setup fees. No late or repayment that is early

at the mercy of terms

Apply with full confidence

Fill our safe online application and get a determination 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 application, increase your credit score in the long run and grow your option to a brighter economic future.

Tailor your loan

Access lower prices and larger quantities as you repay your loan. Borrow as much as ВЈ5,000 as time passes. Get more information

Join the 150,000+ customers that trust us

We’re more than simply a cash lender: we’re on a objective to produce credit that is accessible truth for several.

Install our mobile software

The Oakam app that is mobile permit you to use along with assistance you handle your loan:

  • Submit an application for a loan
  • always check your outstanding stability
  • Visit your next payment time
  • Review your repayment routine

Reasons why you should join Oakam

Bad credit? We will pay attention

We’ll tune in to your tale if you should be on advantages, have credit that is bad or perhaps found its way to great britain. We’ve caused it to be our objective to split down barriers that are financial enhance access for several.

No house visits – ever!

Cash is a matter that is private we ensure that is stays like that. Think about us as an option to doorstep loans. We’ll never ever knock in your home and you may constantly achieve us online or higher the device.

No surprises that are hidden

At Oakam you’re always in charge. Our items are transparent and simple. We don’t charge late charges and 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 assisting you to grow your credit profile with time.

Manage the Oakam app to your loan

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


Oakam provides direct and easy economic solutions for individuals who find it hard to borrow from banking institutions. You can expect accountable use of credit and tend to be aimed at 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. During the exact same time, through the use of our mobile software to settle on time, Oakam customers are changing the financing industry, making credit less costly and much more accessible for all.

How exactly does it work?

It’s simple! It is possible to apply on our internet site, or via our mobile app. The application could be downloaded through the Apple iStore for iPhone products, or regarding the Bing Enjoy shop for Android os products. In the event your application is authorized, the money are delivered to your bank account in the exact same time. Many candidates that are successful their loans within a few hours to be authorized.

At the mercy of status. Regarding the form, we are going to ask you to answer for the month-to-month earnings and spending in detail see, so that you can make sure it is possible to pay for the month-to-month repayments within the lifetime of the mortgage.

Does Oakam execute a credit search?

Yes. But we usually do not base our choice entirely on your credit score. At Oakam we realize that life does not go as planned always. We comprehend you will probably have come across financial hardships in days gone by so that as an effect, you could have an undesirable credit score. Unlike other lenders though, Oakam will likely not immediately blacklist you have actually missed repayments. Your credit rating and affordability assessment assist us comprehend your present situation once we assess the application for a loan.

Therefore, also when you have been declined by other loan providers in past times, we would nevertheless be in a position to assist.

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

Yes. We ask you have now been a resident in britain for at the least a few months before you apply for a loan with us. All loans are susceptible to affordability checks along with your monetary status. We welcome new clients each day and, because our application that is online process completely automatic, it is possible to use if you need certainly to, seven days per week. All our loans are at the mercy of your monetary status.

Exactly what does APR suggest?

APR represents Apr.

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

The APR is, consequently, a powerful contrast device for comparable items, but additionally to your APR, we constantly explain to you the sum total price of that loan plus the individual instalments, in other words. what you should pay off in complete. We believe these details offers you a fuller image of the expense of y our loans and really should help you produce a decision that is informed certainly one of our loans would work for you personally.

I will be self-employed. Can a loan is got by me?

Yes, at the mercy of your economic status.

Am I able to have application that is joint my partner?

No. We just lend to people so we usually do not accept applications that are joint.