Bad credit loan lenders that are direct. Join our community of 150,000+ clients.

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Bad credit loan lenders that are direct. Join our community of 150,000+ clients.

Whenever you sign up for an Oakam loan, you’re not just developing a brighter economic future on your own, you’ll be element of a like-minded community this is certainly enhancing use of affordable credit for several

Every day we help individuals while they achieve their cash objectives, build their credit profile and access better loan prices. In the exact same time, simply by using our mobile application to settle on time, Oakam clients are changing the financing industry, making credit less costly and much more accessible for everybody.

New consumer? Begin with a loan from ВЈ100 to ВЈ800 today. Fast turnaround without any belated costs

279% fixed interest that is annual (1427% APR agent). Compare Oakam along with other loan providers right here.

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

*subject to terms

Apply with certainty

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

Begin your Oakam journey

Place your loan to work alongside the Oakam software, increase your credit score as time passes and grow your option to a brighter future that is financial.

Tailor your loan

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

Join the customers that are 150,000 trust us

We’re more than simply a cash loan provider: we’re for an objective to produce credit that is accessible truth for many.

Install our mobile software

The Oakam mobile application will enable you to use as well as assistance you handle your loan:

Reasons why you should join Oakam

Bad credit? We will pay attention

We’ll tune in to your tale if you should be on benefits, have bad credit rating or simply just found its way to the united kingdom. We’ve caused it to be our objective to split down monetary barriers and enhance access for several.

No house visits – ever!

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

No concealed shocks

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

Your connection up to a brighter future that is financial

You can unlock lower rates, bigger amounts and longer terms as you pay back your Oakam loan. It’s our means of working out for you grow your credit profile in the long run.

Handle the Oakam app to your loan

Access your loan and payment routine by getting our software, thereby applying for tops ups and brand new loans in the near future.


Oakam provides simple and easy monetary solutions for those who battle to borrow from banking institutions. You can expect accountable use of credit and tend to be 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. During the time that is same simply by using our mobile software to settle on time, Oakam customers are changing the financing industry, making credit less costly and much more available for everyone.

How exactly does it work?

It’s simple! You are able to use on our site, or via our mobile application. The application may be downloaded through the Apple iStore for iPhone products, or from the Bing Enjoy shop for Android os devices. In case the application is authorized, the bucks could be provided for your money on the exact same time. Many candidates that are successful their loans within a few hours to be authorized.*

*Subject to status In the form, we shall ask you for the month-to-month earnings and spending in information, so that you can concur that you’ll manage the month-to-month repayments within the lifetime of the mortgage.

Does Oakam do a credit search?

Yes. But we usually do not base our choice entirely on your credit rating. At Oakam we recognize that life does not go as planned always. We realize you will probably have come across financial hardships in yesteryear and also as a result, you may possibly have an undesirable credit score. Unlike other lenders though, Oakam will perhaps not immediately blacklist you have actually missed repayments. Your credit rating and affordability assessment assist us comprehend your present situation whenever we assess the application for the loan.

Therefore, even we might still be able to help if you have been declined by other lenders in the past.

I will be a new comer to the united kingdom. Can Oakam assist me personally with financing?

Yes. We ask which you have already been a resident in britain for at the very least a few months before using for a financial loan with us. All loans are at the mercy of affordability checks as well as your economic status. We welcome new clients every single day and, because our application that is online process completely automatic, it is possible to use when you need certainly to, seven days per week. All our loans are susceptible to your monetary status.

Just What does APR suggest?

APR represents Annual Percentage Rate.

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

The APR is, correctly, a comparison that is effective for comparable items, but additionally into the APR, we constantly demonstrate the full total price of that loan as well as the specific instalments, in other words. what you would pay off in full. We think these details provides you with a fuller image of the expense of y our loans and may help you produce a decision that is informed certainly one of our loans would work for you personally.

I will be self-employed. Can I get a loan?

Yes, at the mercy of your economic status.

May I have application that is joint my partner?

No. We just provide to people therefore we usually do not accept joint applications.