1. Bad credit? We'll listen We’ll listen to your story if you are on benefits, have a bad credit history or just arrived to the UK. We strive to break down financial barriers and provide access.

2. No home visits - ever! Money is a private matter and we keep it that way. Think of us as an alternative to doorstep loans. We’ll never knock on your door. You can reach us online or over the phone.

3. No hidden surprises At Oakam you’re always in control. 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.

4. Your bridge to a brighter financial future 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.