Personal loans made to fit your life
Borrow £1,000 to £10,000 over 1 to 5 years. We look at what you can afford today, not just your credit score, so your rate fits where you are now.
- Decision in minutes
- Fixed monthly repayments
- No set-up or arrangement fees
- 36 monthly repayments of
- £192.18
- Total repayable
- £6,918.52
- Representative APR
- 24.9%
Checking won't affect your credit score.
Excellent · 3,400+ reviews on Trustpilot
What you might pay
Your rate depends on your circumstances. Indicative figures for £5,000 over 3 years.
| Oakbrook pricing tier | Illustrative APR | Monthly cost |
|---|---|---|
| Great | 19.9% | £181.48 |
| Good | 24.9% | £192.18 |
| Fair | 29.9% | £202.64 |
A guide based on Oakbrook's own pricing tiers, not your credit score from a credit reference agency. You'll see your actual rate when you check your eligibility.
Trusted by customers across the UK
650,000+
Customers lent to as a group
Since 2014
Lending to UK customers
FCA authorised
Oakbrook Loans Limited is authorised and regulated by the Financial Conduct Authority, FRN 723558
Awards and recognition
Oakbrook, the lender behind Oakbrook Loans, was named Consumer Lending Provider of the Year at the 2026 Credit & Collections Industry Awards. Read the announcement
Three steps from quote to money
![Step 1 soft search]()
We run a soft credit check
Just to see what you're eligible for, with no impact on your credit score. You'll see your eligibility result straight away.
![Step 2 personalised offer]()
Get a personalised offer
Your rate is based on your income, outgoings and credit history, not your score alone. Sharing your banking data securely through open banking is optional and helps where your credit file is thin or out of date.
![Step 3 money your account]()
Apply when you're ready
A decision in minutes. If you're approved, the money is usually in your account the same or next working day; at busy times it can take up to 5 working days.
Applying for an Oakbrook loan
Who can apply?
To apply, you must:
- Be aged 18 or over
- Be a UK resident
- Have a UK current account in your name
- Be able to afford the monthly repayments
Meeting these requirements doesn't guarantee approval. All applications are subject to credit and affordability checks. No guarantor is needed; the loan is unsecured and assessed on you alone.
What you'll need
To check your eligibility:
- Your address history for the last 12 months
- Your contact details, including email
- Your income and regular outgoings
If your application is successful, we'll also need your bank account details.
How long does it take?
Allow up to 10 minutes to complete your application. You'll get an eligibility result immediately and a decision on a full application in minutes.
We may ask you to connect your bank or upload documents to confirm your income, identity or other details. Reviewing these can take up to two working days.
Why borrow with Oakbrook Loans
A rate based on more than your score
We look at what you can afford today, so one past missed payment doesn't decide things on its own.
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Check your rate without affecting your credit score
We use a soft search to show your personal rate. A hard search only happens if you accept an offer and apply.
No set-up or arrangement fees
What you see is what you pay. The only cost is the interest shown in your offer.
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Fixed repayments you stay in control of
The same amount each month until the loan is paid off, with an online account to manage it 24/7.
What people borrow for
From a new car to home improvements, people use personal loans for different reasons. Borrow £1,000 to £10,000 over 1 to 5 years, with a fixed rate.
Home improvements
Make your space work for you.
Debt consolidation
Want your lenders paid directly? See OakbrookOne.
Car loans
A new car, or an unexpected repair bill.
Weddings and big moments
Weddings, education, moving costs.
Holidays
A fixed-rate loan for your next getaway.
Manage your loan online
Your online account is open 24 hours a day, so you can keep track of your loan and make changes without calling us.
Borrowing over a longer term lowers your monthly repayment but means you pay more interest overall.
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See your balance and payments
Check what you owe, what you've paid and when your next payment is due.
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Overpay or settle early
Overpay as often as you like with no fee, or request a settlement figure to repay in full.
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Change your payment date
Move your monthly payment to suit when you're paid.
Personal loans explained
What is a personal loan?
A personal loan is money you borrow and pay back in fixed monthly amounts, with interest, over an agreed term. Ours are unsecured, so you don't need to put your home or car up as security.
How do personal loans work?
You choose how much to borrow and for how long. We look at your income, outgoings and credit history to offer you a rate. Your rate and repayment stay the same each month until the loan is paid off, over 1 to 5 years.
Loan or credit card?
A personal loan gives you a set repayment schedule. A credit card offers flexible borrowing, but the cost depends on its rate and how quickly you repay. Compare the total cost and whether you can afford the repayments.
Explore loan amounts
Looking for a particular amount? Pick one to go to that loan page.
£6,000 loans £7,000 loans £8,000 loans £9,000 loans £10,000 loans
Frequently asked questions
What rate will I get?
Your rate depends on your circumstances: our representative APR is 24.9%, and rates range from 19.9% to 38.9% APR. Checking your eligibility shows your own rate without affecting your credit score.
Will checking affect my credit score?
No. Checking your eligibility uses a soft search, which doesn't affect your credit score. We only run a hard search if you accept an offer and apply.
How quickly will I get the money?
You'll get a decision in minutes. If you're approved, the money is usually in your account the same or next working day; at busy times it can take up to 5 working days.
When will my repayments come out each month?
Your repayment is collected by Direct Debit on the date you chose when you applied. If that date falls on a weekend or bank holiday, we collect it on the next working day. You can see your next payment date in your online account.
Can I pay my loan off early?
Yes. You can overpay at any time without a fee. If you repay your loan in full early, your settlement figure may include up to 58 days' additional interest, depending on your loan type and term. Request a settlement figure to see the exact amount you'll need to pay.
Do you charge any fees?
No we don't. What you see is what you get with an Oakbrook Loans, there’s nothing hidden – ever!
Can I get a personal loan with fair or imperfect credit?
Oakbrook Loans is for people with fair or imperfect credit who want to borrow £1,000 to £10,000 over 1 to 5 years. We look at what you can afford today as well as your credit history, subject to our eligibility and affordability checks.
Do I need to share my bank data?
No, open banking is optional. Sharing your banking data with your consent lets us see your current income and spending, which helps where your credit file is thin or out of date. You can revoke access at any time in your banking app.
Can I borrow again or top up?
Existing customers may be offered a top-up or a further loan, subject to a new affordability check. The offer appears in your online account.
Who is Oakbrook Loans?
Oakbrook Loans is a trading style of Oakbrook Loans Limited, a UK direct lender that makes its own lending decisions. We're authorised and regulated by the Financial Conduct Authority (FRN 723558) and have been lending to UK customers since 2014.
News and updates
Guarantor Loans: Why the Market Has Largely Closed and What UK Borrowers Can Do Next
The UK guarantor loan market has largely closed. Learn why lenders exited, what happens to existing guarantor loans and explore alternatives, including personal loans and credit unions.
What “Final Checks” Means on a Loan Application and How Long It Takes
Waiting for final checks on a loan application? Learn what lenders check, how long the process takes, what can cause delays and what happens next.
Paying Off Your Loan Early: What Is a Settlement Figure and How Is It Calculated?
Find out what a loan settlement figure includes, how lenders calculate it, whether paying off your loan early could save interest, and what to check before settling.
Check your rate with Oakbrook Loans
£1,000 to £10,000 over 1 to 5 years. Representative 24.9% APR.
We'll never ask you to pay a fee before paying out your loan. If you think you've been targeted, contact your bank and report it to Action Fraud.
Oakbrook Loans
- £1,000 to £10,000 over 1 to 5 years
- Representative 24.9% APR (19.9% to 38.9%)
- Soft search, no effect on your credit score
- Decision in minutes, money same or next working day
- No set-up fees, fixed monthly repayments
- Manage it online 24/7 in your Customer Hub
Subject to eligibility and affordability checks.