To apply for a loan with us you need to be:
18+ years old
A UK resident
Income £400+ (salary & benefits)
Valid Bank Card
UK Bank Account
In some cases you may also need to provide us with:
Proof of address
Proof of income
Proof of ID
Click here to find out more about types of proof we accept.
Unlike many short-term lenders we at Oakam look at your individual circumstances, which mean that we may lend to you even if you have:
- Been turned down for credit before
- Have recently moved to the UK
- Are self employed
- Had CCJs in the past
As a responsible lender we are not able to help you if you are:
- In debt management
- Bankrupt or have an IVA
Lift Loan
73.1% representative (variable)
Oakam Loan
1421% representative (variable)