One Loan. One Payment. One Clear Path Forward.
OakbrookOne is designed to help you simplify your finances. We can settle multiple debts directly with your creditors and combine them into one manageable monthly repayment.
✔ One application
✔ One monthly repayment
✔ One central view of your borrowing
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Representative example
Borrowing £2,000 over 24 months at Representative 19.9% APR and interest rate 19.9% p.a (fixed) with monthly repayments of £100.16 and a total amount payable of £2,403.84. 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
Apply
See if you’re eligible without impacting your credit score
Get your quote
See your personalised rate
We repay your debts
We settle selected debts directly for you (where eligible)
Why choose OakbrookOne?
Traditional loans often leave it up to you to repay your debts manually. OakbrookOne is different — we settle selected debts directly for you, where eligible.
✔ Customers who used OakbrookOne reduced their monthly repayments by an average of £110*
✔ Hundreds of people already supported
✔ Over 2,000 debts settled
✔ One clear plan. One view of your borrowing. Less to juggle.
*Individual results may vary. Based on internal lending data October 2024 – April 2025.
Why choose OakbrookOne?
Traditional loans often leave it up to you to repay your debts manually. OakbrookOne is different — we settle selected debts directly for you, where eligible.
✔ Customers who used OakbrookOne reduced their monthly repayments by an average of £110*
✔ Hundreds of people already supported
✔ Over 2,000 debts settled
✔ One clear plan. One view of your borrowing. Less to juggle.
*Individual results may vary. Based on internal lending data October 2024 – April 2025.
Things to consider before taking out a debt consolidation loan
- Check your existing credit commitments. Identify which ones make sense to combine into a new loan.
- Look at the individual interest rates on all your debts. If they are higher than what you are offered on a new loan, consolidating your debts may make sense.
- When consolidating your existing borrowing, you may extend the term of your debt and increase the total amount you repay.
Ready to simplify your repayments?
Check if you're eligible for OakbrookOne. It takes minutes and won’t impact your credit score.
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Frequently asked questions
No — OakbrookOne has no hidden fees or setup charges. Your interest rate and total cost will be clearly shown before you commit.
Yes, you can repay all or part of your OakbrookOne loan early at any time, with no early repayment fees.
Yes. OakbrookOne is offered by Oakbrook Loans, which is authorised and regulated by the Financial Conduct Authority (FCA).
OakbrookOne was built to make managing debt easier, not harder. It’s designed around real customer needs — offering clarity, simplicity, and one structured repayment.
If you're struggling to make a payment, please contact us as soon as possible. We’re here to support you, and we’ll work with you to find a solution.
If approved, OakbrookOne aims to settle your existing debts promptly — usually within a few working days. You’ll be kept informed throughout the process.
Checking your eligibility won’t impact your credit score. If you choose to apply and are approved, the loan will be recorded on your credit file, as with any regulated credit agreement.
You can typically consolidate personal loans, credit cards, store cards, and overdrafts. We’ll confirm what can be included when you apply.