You've been referred to Oakbrook Loans
- Loans up to £10,000
- Decision in minutes
- No fees
(It won't affect your credit score)
Representative 24.9% APR
We'll never ask for an upfront fee before paying out your loan. If you think you've been a victim of fraud, contact your bank and report it to Action Fraud immediately.
Representative example
Borrowing £5000 over 36 months at Representative 24.9% APR and interest rate 24.9% p.a (fixed) with monthly repayments of £192.18 and a total amount payable of £6,918.52. 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 38.9% 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.
Your next steps
Three simple steps, starting with a soft check that leaves your credit score untouched.
We run a soft credit check
Just to see what you're eligible for — with no impact on your credit score.
Get a personalised offer
Based on your financial profile.
Apply when you're ready
Get your money fast if approved. During busy times, it may take up to 5 working days.
How the referral reward works
Six things worth knowing about being referred.
A few checks to get to know you
Being referred doesn't affect whether we'll offer you a loan. You'll go through the same eligibility, affordability and credit checks as any other Oakbrook Loans customer.
Your friend gets £50
For each friend who takes out a loan through their link, up to 5 friends.
Start within 90 days
Start your application within 90 days of your friend getting their link. After that, the link still works but there's no reward.
Paid after 14 days
We pay your friend once your 14-day cooling-off period ends, as long as you haven't cancelled your loan.
New customers only
The reward is only paid for people who haven't borrowed from Oakbrook before.
One link counts
If more than one friend sends you a link, the one you use to start your application gets the reward.
Frequently asked questions
Does being referred change my chances of getting a loan?
No. Every application goes through the same eligibility, affordability and credit checks, whether you've been referred or not.
What does my friend get?
Your friend gets £50 if you take out a loan through their link and don't cancel it during your 14-day cooling-off period. We pay them directly. You don't need to do anything.
We won't tell your friend whether you've been accepted, or anything else about your application.
Will checking my eligibility affect my credit score?
No. Checking your eligibility uses a soft search, which only you can see on your credit file. If you go on to apply, we'll do a full credit check, which other lenders will be able to see.
Do I have to take out a loan?
No. Checking your eligibility doesn't commit you to anything. Only apply if a loan is right for you.
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.
Is Oakbrook Loans legit?
Yes. Oakbrook Loans is authorised and regulated by the Financial Conduct Authority. We're a UK-based direct lender, not a broker.
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 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.
See what you could borrow
Borrowing isn't right for everyone. Make sure a loan is right for you, and that you're comfortable with the repayments, before you apply.
Check my eligibility (no obligation, no impact on your credit score)