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 4.2.1

Improvements to our self service related pages

Ratings and Reviews

2.9 out of 5
134 Ratings

134 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 ?

sass1977 ,

Constant errors

Been a customer for almost a year had been using the app regularly then installed oakam app on my new phone, won’t let me change the pin they send. Won’t let me log in have emailed oakam no help has been forthcoming very annoying as you can’t access your account any other way ie by logging in on the website, so oakam have made the app the only way to access your account and then don’t help when the app won’t allow you to set your pin or log in!

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

App Privacy

The developer, Oakam Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

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

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