Oakbrook Loans
- Company typePrivate
- Founded2011
- HeadquartersNottingham, United Kingdom
- Headcount51–100
- GTM typeB2C
- OfferingServices
Oakbrook Loans firmographics
Firmographics- Name
- Oakbrook Loans
- Legal name
- Oakbrook Loans Limited
- Website
- https://oakbrookloans.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Oakbrook Loans industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
- akta.pro secondary industry
- Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD)
Keywords
Where Oakbrook Loans is headquartered
LocationHeadquarters
- HQ city
- Nottingham
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Oakbrook Loans business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Personal Loan Interest: Interest income from unsecured personal loans. Customers borrow between £1,000 and £15,000 and repay in fixed monthly instalments over 12-60 months. The representative APR is 24.9% with rates ranging from 19.9% to 38.9% APR depending on individual circumstances. Revenue is generated through the interest charged on the loan principal over the repayment term.
- Debt Consolidation Loan Interest (OakbrookOne): Specialised debt consolidation product where Oakbrook settles selected debts directly with creditors on behalf of the customer and combines them into one manageable monthly repayment. Revenue is generated through interest on the consolidated loan amount.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Monthly | Unsecured personal loans from £1,000 to £15,000 with representative APR of 24.9% |
| One time/ perpetual license | Monthly | OakbrookOne debt consolidation loans for combining multiple debts into one payment |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Oakbrook Loans product offering
Product offeringCore offering
Oakbrook Loans is a UK FCA-regulated direct lender offering unsecured personal loans from £1,000 to £15,000 with fixed monthly repayments over 12 to 60 months at a representative APR of 24.9% and no fees. The platform combines an online soft-search eligibility checker, Open Banking-based affordability assessment, and an in-house Generative AI credit scorecard to underwrite applications, with same/next-working-day funds transfer. OakbrookOne extends this with debt consolidation loans that directly settle customers' existing debts with creditors and combine them into one monthly repayment.
Product overview
Oakbrook Loans operates as a direct lender offering unsecured personal loans through a unified platform. The core product is the Oakbrook Loans personal loan (£1,000-£15,000), supplemented by OakbrookOne for debt consolidation which uniquely settles debts directly with creditors. Purpose-specific variants include Wedding Loans, Car Loans, and Home Improvement Loans, while the range extends across fixed loan amounts from £6,000 to £15,000. All products share common features: no fees, soft credit check eligibility, fixed monthly repayments, and online account management. The company also utilizes Open Banking data and Generative AI in its credit assessment processes.
Differentiator
Problem solved
Functional benefit
Brands
- OakbrookOne: Debt consolidation loan product designed to help simplify finances by settling multiple debts directly with creditors and combining them into one manageable monthly repayment.
Products and services
- Oakbrook Loans (Unsecured Personal Loans) Unsecured personal loans from £1,000 to £15,000 with fixed monthly repayments over 12 to 60 months, offered to UK consumers for large purchases, unexpected expenses, home improvements, weddings, car purchases, or debt consolidation. Features include soft credit check eligibility, no fees, and 24/7 online account management. Representative APR 24.9%; rates from 19.9% to 38.9% APR depending on individual circumstances.
- OakbrookOne (Debt Consolidation Loan)
- Wedding Loans
- Car Loans
- Home Improvement Loans
- Personal Loans (General Purpose)
- Open Banking Loans Personal loans underwritten using Open Banking transaction data and Oakbrook's Generative AI credit scorecard to provide a more accurate, fair, and comprehensive affordability assessment beyond traditional credit checks.
Quantifiable outcome
- Customers who used OakbrookOne reduced their monthly repayments by an average of £110
- +2 more outcomes
Companies that use Oakbrook Loans
Customer profileSegments5 records
Ideal customer profiles2 records
Oakbrook Loans technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature4 records
Oakbrook Loans partnerships and signals
Strategic signalScale indicators4 records
Recent moves4 records
Expansion highlights5 records
Oakbrook Loans competitors and assessment
Company assessmentOthers
- MoneySuperMarket: UK price-comparison platform that aggregates personal loan offers from multiple lenders. Not a direct lender, but a key customer acquisition channel for Oakbrook's category and a useful comparable for understanding UK personal loan demand dynamics and competitive set.
Direct peers
- Amigo Holdings: UK-based lender focused on subprime / near-prime personal loans. Comparable to Oakbrook in product type and exposure to higher-risk UK consumer borrowers, with similar APR ranges and a focus on borrowers underserved by mainstream banks.
- Tandem Bank: UK digital challenger bank offering unsecured personal loans through an online application. Comparable to Oakbrook in being a UK fintech with a digital-first lending product and direct-to-consumer distribution.
- Zopa: UK-based digital lender offering unsecured personal loans directly to consumers via a fully online application. Closest comparable to Oakbrook in product (unsecured personal loans), customer segment (UK consumers), distribution (DTC online), and technology-led underwriting approach.
- Atom Bank: UK app-based challenger bank offering personal loans to consumers. Comparable to Oakbrook as a UK digital-native lender focused on unsecured consumer credit and competing for the same direct-to-consumer personal loan demand.
Broad incumbents
- Tesco Bank: UK retail-bank-affiliated lender offering unsecured personal loans alongside savings and insurance. Comparable in product (UK unsecured personal loans) but operates as part of a much broader financial services portfolio rather than a specialist lender.
- Lloyds Bank: UK high-street bank offering unsecured personal loans to a broad consumer base. Comparable in product category but as a broad incumbent with significantly larger balance sheet, branch network, and cross-sell capability.
- Novuna Personal Finance: UK personal finance provider (formerly Hitachi Capital Personal Finance) offering unsecured personal loans to consumers. Comparable in product type and target segment, but operates as a larger, broader-portfolio incumbent within a wider consumer finance group.
Emerging players
- Starling Bank: UK digital challenger bank offering personal loans within a broader current account and consumer finance proposition. Comparable as a UK digital-native lender competing for the same online personal loan customer, though with a wider product suite.
- Monzo: UK digital challenger bank that has begun offering personal loans to its existing customer base. Comparable as a UK fintech entering unsecured personal lending, though with much greater funding, brand awareness, and a broader banking proposition.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Oakbrook Loans social profiles
Digital presenceOakbrook Loans compliance and trust
Trust signalCompliance1 record
Oakbrook Loans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oakbrook Loans leadership team
Management profileNumber of profiles
Profiles1 record
Oakbrook Loans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oakbrook Loans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oakbrook Loans
What does Oakbrook Loans do?
Oakbrook Loans is a UK FCA-regulated direct lender offering unsecured personal loans from £1,000 to £15,000 with fixed monthly repayments over 12 to 60 months at a representative APR of 24.9% and no fees. The platform combines an online soft-search eligibility checker, Open Banking-based affordability assessment, and an in-house Generative AI credit scorecard to underwrite applications, with same/next-working-day funds transfer. OakbrookOne extends this with debt consolidation loans that directly settle customers' existing debts with creditors and combine them into one monthly repayment.
Is Oakbrook Loans a public or private company?
Oakbrook Loans is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Oakbrook Loans founded?
Oakbrook Loans was founded in 2011. It employs 51 to 100 people.
Where is Oakbrook Loans based?
Oakbrook Loans is headquartered in Nottingham, United Kingdom, in the Europe region.
How does Oakbrook Loans make money?
Two revenue lines are on record. Personal Loan Interest is the primary driver. The others are debt Consolidation Loan Interest (OakbrookOne).
Who are Oakbrook Loans's main competitors?
MoneySuperMarket is listed as an others. Direct peers are Amigo Holdings, Tandem Bank, Zopa and Atom Bank. Broad incumbents are Tesco Bank, Lloyds Bank and Novuna Personal Finance. Emerging players are Starling Bank and Monzo.
Does Oakbrook Loans have an API?
No public API is recorded for Oakbrook Loans.
What industry is Oakbrook Loans in?
Oakbrook Loans's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAH, Emergency & Short-Term Installment Personal Loans (Unsecured), with a secondary code of FSAKAAAD, Debt Consolidation Personal Loans (Unsecured Installment). Its NAICS code is 522 and its SIC code is 6141.