App is pointless apart from telling you how much you’ve paid back got the payment time set to 11pm and takes it at 2am so annoyed and they should add more features like rescheduling and freezing so you don’t have to wait for along time on the phone
Why choose an Oakam loan?
• We strive to break down financial barriers and provide access, which means we’ll listen to your story if you are on benefits, have a bad credit history or just arrived to the UK.
• Money is a private matter and we keep it that way. That’s why we’ll never knock on your door, and you can reach us online or over the phone if you need us.
• At Oakam you’re always in control, which is why 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.
• 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.
What do our customers think?
"Really easy to use app to pay bills with great customer service. I have bad credit and got a 2nd chance to rebuild my credit with this loan. Amazing service and happy customer" - Penny (Feb 2020)
"So easy to go through the application process, app is very easy to use and you can see the history of your account, payments made and when the next payment is due. Would highly recommend Oakam." - Jane (Feb 2020)
"Fast and simple and I love the fact I can keep track using the app" - Nick (Feb 2020)
See more of our reviews on Trustpilot!
What's New in Version 4.2.1
Improvements to our self service related pages
OAKAM HOLDINGS LTD
VPP Device Licensing
Rated 17+ for the following:
iOS 10.0 or later
iPhone 5, iPhone 5c, iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone SE, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XR, iPhone XS, iPhone XS Max, iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max, iPhone SE (2nd generation), iPhone 12, iPhone 12 Pro, iPhone 12 Pro Max, iPhone 12 mini, iPhone 13, iPhone 13 Pro, iPhone 13 Pro Max, iPhone 13 mini, iPad (4th Generation) (Wi-Fi), iPad (4th Generation) (4G), iPad (5th Generation) Wi-Fi, iPad (5th Generation) Wi-Fi + Cellular, iPad (6th generation) Wi-Fi, iPad (6th generation) Wi-Fi + Cellular, iPad Pro, iPad Pro (Cellular), iPad Pro (9.7-inch), iPad Pro (9.7-inch) (Cellular), iPad Pro 12.9-inch (2nd generation), iPad Pro 12.9-inch (2nd generation) Wi-Fi + Cellular, iPad Pro (10.5-inch), iPad Pro (10.5-inch) Wi-Fi + Cellular, iPad Pro (11-inch), iPad Pro (11-inch) Wi-Fi + Cellular, iPad Pro 12.9-inch (3rd generation), iPad Pro 12.9-inch (3rd generation) Wi-Fi + Cellular, iPad Air, iPad Air (Cellular), iPad Air 2, iPad Air 2 (Cellular), iPad Air (3rd generation), iPad Air (3rd generation) Wi-Fi + Cellular, iPad mini Retina, iPad mini Retina (Cellular), iPad mini 3, iPad mini 3 (Cellular), iPad mini 4, iPad mini 4 (Cellular), iPad mini (5th Generation), iPad mini (5th Generation) Wi-Fi + Cellular, iPad (7th generation) Wi-Fi + Cellular, iPad Pro 11-inch (2nd generation), iPad Pro 11-inch (2nd generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (4th generation), iPad Pro 12.9-inch (4th generation) Wi-Fi + Cellular, iPad Air (4th Generation) (Wi-Fi), iPad Air (4th Generation) (Wi-Fi + Cellular), iPad (8th generation) Wi-Fi, iPad (8th generation) Wi-Fi + Cellular, iPad Pro 11-inch (3rd generation), iPad Pro 11-inch (3rd generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (5th Generation), iPad Pro 12.9-inch (5th Generation) Wi-Fi + Cellular, iPad (9th Generation), iPad (9th Generation) Wi-Fi + Cellular, iPad mini (6th Generation), iPad mini (6th Generation) Wi-Fi + Cellular, iPod touch (6th Generation), iPod touch (7th generation), Apple Watch Series 4, Apple Watch Series 5, Apple Watch Series 6 (GPS), Apple Watch Series 6 (GPS + Cellular), Apple Watch Series SE (GPS), Apple Watch Series SE (GPS + Cellular), Apple Watch Series 7 (GPS), Apple Watch Series 7 (GPS + Cellular)
Why collect points if there is no rewards program It keeps getting put off also when u pay off the loan you wait and wait to apply for another loan and you’re told it’s to soon or you need to abide by Oakam’s time frame so when you need money for an emergency you cant get any and end up having to sell personal items because Oakam won’t help.
I’m trying to apply for a loan and on the app it lets me put my number in to send me a code at the start then further into the application it keeps saying won’t accept my number ?? How do I get this sorted
TERRIBLE APP! TERRIBLE COMPANY! Avoid this like the plague
Good app but the recent update has worked for me to pay off early.
This app does not work I can’t even log in to see what’s going on with my loan I’m not happy how annoying
Tried countless times to log in and can’t
Been a customer for almost a year had been using the app regularly then installed oakam app on my new phone, won’t let me change the pin they send. Won’t let me log in have emailed oakam no help has been forthcoming very annoying as you can’t access your account any other way ie by logging in on the website, so oakam have made the app the only way to access your account and then don’t help when the app won’t allow you to set your pin or log in!
Don’t bother using this ! Doesn’t let you log in. Request a new pin and constantly says error
the app doesn’t let me do anything not even make payment i need to call to make them as i prefer to pay 4 weeks at a time than weekly
Not a user friendly app at all....
- App updates say you can update card information on the app... You can’t
- Text messages and emails from Oakham state you apply for a top up in the app... You can’t.
- Takes around 5/7 days to update when you’ve made a repayment.
- App updates say you can make an additional repayment in the app... You can’t.
- App updates says you access the new rewards programme in the app... You can’t
- Screenshots of the app on the App Store are completely different to the app you download.
Always shows incorrect card details
App doesn’t work, just says there was a problem when you try and set your pin so I can’t even get in the app to make my payments!!
Would be better if we could make a payment on the app like it says when you call them up! 🙄
This app is awful will not load and does not let me change pin usless
Not excepting my number for some reason
Does not show when next top up is available!
Does not add coins for re paying early!!!
I’ve lost out on so many coins because of this.
Absolutely joke of a company the accept u one time u pay it off the app don’t work I’d stay clear no matter how desperate you get
Unacceptable didn’t work at all always the server is not working
They send you texts saying you can top up then you try and top up clearly say you can’t
Easy and happy to use this app but I don’t know how I change my coins to cash
Why won’t the app allow you to make payments without having to phone them iPhone 8 Plus
The app hasn’t work since I downloaded it. Constantly says error and unable to process this request. I haven’t even. Managed to log in!
Always a problem when I try to log in to my account keep trying nd won’t let me says there a problem
The app is not update . Is not working good.
App doesn’t work at all.
The app used to be good but For the last year or so haven’t been able to log in and have contacted Oakam numerous times to get nowhere in sorting it out always go over the same things then told I will be contacted by app support but never am. It’s sooo frustrating especially when I’m getting messages for top ups but unable to apply for them.
The worse app ever, can’t even get on it doesn’t send you a pin & when you call Oakam for help they’re absolutely useless & have no idea of how to fix the issue, still waiting to be contacted, what’s the point in having an app your customers can’t even get on, if I could leave 0 stars I would.
App dosnt work
Worst app ever cant log on to the app as it does not recognise my details although i am an existing customer!!! Called oakam for help and i am still waiting on a phone call or email from them nearly two months now
The app i had last year worked perfectly this new one is terrible
It just doesn’t work
Since the update I’m unable to log in!!
Oakam doesn’t offer loans any more. Since 1of March is in bankruptcy proceedings... Finally!
worst app ever, cant even log in. sack the developer
Can’t understand how I can put money in my bank account
But beginning to think the oakam grow/reward is a scam, it’s been the same people winning the draw for several weeks, and now I have reached enough coins for a cash reward it’s suddenly locked out and customer services aren’t bothering to reply. I really like oakam as a company, but why advertise/ push the reward if you won’t honour it?
I don’t see why it takes 5 days to clear payment making you late payer every month. The money leaves my bank the day before it’s due and Oakam don’t acknowledge it until 5 days later.
Why can’t I pay directly on the app ?
App won’t open I’ve never been able to use this! Very very very frustrating. Not helpful at all. Please sort this out..I can’t log in to my account as the log in button ‘doesn’t work’
Multa seriozitate si competenta!!
Since I have updated the Oakam app it doesn't work and I can't get onto it anymore
I love that I can earn coins and then get rewards, great app!!
Many times i’ve logged in and received no points, working in slow motion.
Lots of the options are pointless
Feel like there should be option to make a payment
And the points system is really long n lengthy
Been saying going to change points to cash but never does
If i wanted to pay my balance off have to call them instead of using the app
I like the apps is fine but why they removed that option to see you loans balance? Please it was better that way now how can you see what you still see your loans that you own ?
Can tell when I am able to get top up. I go up the ladder and grow on point
Great super app
Easy to use greatly App
Shows your balance,i use to check my grow points and check when my next payment is due. 5 star from me!!
Still a lot to add to the app but its easy to use and i can see my account details at any point. As well since i can do a top up straight, makes this option more interesting.
I love using the Oakam app it's simple and easy to use. You don't need to call the shop to find out anything about your current loan all information is available on the app. You also earn points towards rewards every time you pay money off! Would definitely recommended Oakam for a loan
Great app. Helps you manage your own loan without always having to call in. You are able to access all information in regards to your loan. And you can earn rewards too!
Very useful. 👌
Can't make early payments though the app. When you call the number no one ever answers. The interest rate is very very high. Your better off avoiding.