Bad credit pay day loan direct loan providers. Every time we help individuals because they achieve their funds objectives.

Bad credit pay day loan direct loan providers. Every time we help individuals because they achieve their funds objectives.

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

build their credit access and profile better loan rates. During the time that is same through the 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 everybody.

Join our community of 150,000+ clients.

Brand brand New consumer? Start with a loan from ВЈ100 to ВЈ800 today. Fast turnaround without any belated charges

279% fixed yearly rate of interest (1427% APR agent). Compare Oakam along with other loan providers right right here.

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

  • Access cheaper prices as time passes and boost your credit score
  • Quickly graduate to prices less than numerous bank cards
  • Borrow as much as ВЈ5,000 while you create your credit profile
  • No setup costs. No late or very early payment charges

*subject to terms

Apply with certainty

Fill our safe online application and get a choice in moments. No setup costs, no belated charges and no repayment that is early.

Begin your Oakam journey

Place your loan to utilize the Oakam software, develop your credit history 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. Get more info

Get in on the customers that are 150,000 trust us

We’re more than simply a cash loan provider: we’re on an objective which will make available credit a truth for many.

Install our mobile application

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

  • Submit an application for a loan
  • Look at your outstanding stability
  • See your next payment 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 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 monetary barriers and increase access for several.

No house visits – ever!

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

No surprises that are hidden

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

Your connection up to a brighter future that is financial

While you pay off your Oakam loan, you are able to unlock reduced prices, larger quantities and longer terms. It’s our method 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, and use for tops ups and loans that are new the near future.


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

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

How exactly does it work?

It’s simple! You’ll use on our site, or via our mobile software. The application may be downloaded through the Apple iStore for iPhone products, or in the Bing Enjoy shop for Android os products. Should your application is approved, the money may be delivered to your money on the day that is same. Most successful applicants get their loans within an hour or two to be authorized.*

*Subject to status. From the form, we’re going to ask you to answer for the income that is monthly and in information, so that you can concur that you really can afford the month-to-month repayments throughout the life 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 realize that life does not constantly get as prepared. We comprehend that you may have come across financial hardships in yesteryear so when a result, you’ve probably a bad credit score. Unlike other loan providers though, Oakam will likely not immediately blacklist you have actually missed repayments. Your credit score and affordability assessment assist us comprehend your situation that is current when assess the job for a loan.

Therefore, also if you’ve been declined by other loan providers within the past, we would remain in a position to assist.

I will be not used to the united kingdom. Can Oakam help me to with that loan?

Yes. We ask you have now been a resident in britain for at the least half a year before using for a financial loan with us. All loans are susceptible to affordability checks along with your economic status. We welcome new clients each day and, because our online application process is fully automatic, it is possible to use once you have 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 a measure that is standard across all credit items to assist customers compare the expense of loans. As the APR reflects the yearly price of fee for a financial loan, it is really not always a simple measure to realize when you compare loans of various lengths.

The APR is, consequently, a comparison that is effective for comparable services and products, but additionally to your APR, we constantly explain to you the full total price of financing as well as the specific instalments, for example. what you should pay off in complete. We think these records provides you with a fuller image of the expense of our loans and may help you produce a decision that is informed certainly one of our loans would work for you personally.

I’m self-employed. Can a loan is got by me?

Yes, subject to your economic status.

Am I able to have joint application with my partner?

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

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