Why choose an Oakam loan?

• We strive to break down financial barriers and provide access, which means we’ll listen to your story if you are on benefits, have a bad credit history or just arrived to the UK.
• Money is a private matter and we keep it that way. That’s why we’ll never knock on your door, and you can reach us online or over the phone if you need us.
• At Oakam you’re always in control, which is why you can choose from weekly or 2-weekly payment plans.
• Our products are simple and transparent. We don’t charge late fees or penalise you for settling early.
• We give you the tools to build a brighter financial future. With good repayment behaviour, you could have the flexibility to top-up your loan at a lower price or borrow up to £5,000 for a large purchase.

What do our customers think?

"Really easy to use app to pay bills with great customer service. I have bad credit and got a 2nd chance to rebuild my credit with this loan. Amazing service and happy customer" - Penny (Feb 2020)

"So easy to go through the application process, app is very easy to use and you can see the history of your account, payments made and when the next payment is due. Would highly recommend Oakam." - Jane (Feb 2020)

"Fast and simple and I love the fact I can keep track using the app" - Nick (Feb 2020)

See more of our reviews on Trustpilot!

What’s New

Version 3.8.3

Fixed an analytics bug

Ratings and Reviews

3.1 out of 5
102 Ratings

102 Ratings

quidgone ,

Good app but the gimmicks never come true

I don’t see why it takes 5 days to clear payment making you late payer every month. The money leaves my bank the day before it’s due and Oakam don’t acknowledge it until 5 days later.
Why can’t I pay directly on the app ?

Amy43215678 ,


I love using the Oakam app it's simple and easy to use. You don't need to call the shop to find out anything about your current loan all information is available on the app. You also earn points towards rewards every time you pay money off! Would definitely recommended Oakam for a loan

Saraimcastro ,

Great app.

Great app. Helps you manage your own loan without always having to call in. You are able to access all information in regards to your loan. And you can earn rewards too!


102.4 MB

Requires iOS 8.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating
Gambling and Contests


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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