Personal loans made to fit your life
- Loans up to £15,000
- Decision in minutes
- No fees
(with no impact on your credit score)
Rated 4.7 out of 5
Get your personalised quote
Use our calculator to see illustrative rates. After that, check your eligibility to get a customised rate, without any impact on your credit score.
£
months
Representative example
Borrowing £10,000 over 48 months at Representative 24.9% APR and interest rate 24.9% p.a (fixed) with monthly repayments of £317.64 and a total amount payable of £15,246.76. This example is for illustration purposes only. The rate and term you are offered is dependent on your individual circumstance. Rates from 19.9% APR to maximum 34.9% APR. Loan terms for 12 – 60 months.
When consolidating your existing borrowing, you may extend the term of your debt and increase the total amount you repay.
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Representative APR
24.9%
Representative example
Borrowing £10,000 over 48 months at Representative 24.9% APR and interest rate 24.9% p.a (fixed) with monthly repayments of £317.64 and a total amount payable of £15,246.76. This example is for illustration purposes only. The rate and term you are offered is dependent on your individual circumstance. Rates from 19.9% APR to maximum 34.9% APR. Loan terms for 12 – 60 months.
When consolidating your existing borrowing, you may extend the term of your debt and increase the total amount you repay.
How it works
1. We run a soft credit check
Just to see what you're eligible for — with no impact on your credit score.
2. Get a personalised offer
Based on your financial profile.
3. Apply when you're ready
Get your money fast if approved. During busy times, it may take up to 5 working days.
Rated 4.7 out of 5
Why choose Oakbrook?
Loans designed for your life
- Borrow from £1,000 to £15,000
- Fixed monthly payments that fit your budget
- No upfront or arrangement fees
- Supportive, jargon-free experience from start to finish
Loans shouldn’t be hard work
We make sure it’s affordable for you
Applying for a loan can be daunting. We ensure that you qualify for the loan before we give you the funds.
Checking won't impact your credit score
You can see if you're eligible for the loan and get a decision in minutes; without any impact to your credit score.
No hidden fees at any time
A loan from Oakbrook is transparent; what you see is what you get.
You’re in control with an online account
You can control your money 24/7 using your online account to manage your loan.
Frequently asked questions
How long after applying will I receive my loan?
Upon approval, we will try to pay your money into your bank account as soon as possible. However, during busy periods this could take up to 5 working days.
Can I make overpayments on my loan?
Yes you can. Overpay as much as you want to as many times as you like with no penalties and reduce the overall cost of your Oakbrook Loan.
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!
Do direct debits come out on a Saturday?
No direct debits can't be processed on a Saturday, Sunday, or bank holiday. These are not working bank days, so payments can't go out.
If your payment date falls on a weekend or bank holiday, we'll take it on the next working day instead.
Is Oakbrook Loans legit?
Yes. Oakbrook Loans is a trading name of Oakbrook Finance Limited, authorised and regulated by the Financial Conduct Authority (FRN: 707357). We're a UK-based direct lender - not a broker.
What is Oakbrook Finance?
Oakbrook Finance Limited is a UK fintech lender. We offer unsecured personal loans under the Oakbrook Loans brand. We don't use property as security your loan is based on your personal circumstances.
What is a personal loan?
A personal loan is money you borrow from a lender and pay back in fixed monthly payments over an agreed time. You borrow a set amount say £1,000 to £15,000 and repay it with interest over a term that suits you. It's unsecured, which means you don't need to use your home or any other asset as security.
News and updates
What's the Minimum Income Needed for a Personal Loan in the UK?
UK lenders assess affordability, not just salary. Learn what counts as income and how lenders decide whether a loan is affordable.
How to Improve Your Loan Approval Odds: A Practical Guide
Learn how lenders assess affordability, credit usage, income, and application history when deciding whether to approve a personal loan.
Should I Consolidate My Debt? 5 Myths vs Realities for UK Borrowers (2026)
Learn the truth behind common debt consolidation myths, including credit score impact, repayment costs, and managing multiple debts.
