Oakbrook Loans Avis 

I was very pleased with how informative & polite the lady on the phone who was dealing with my case. Also after a few questions & being approved the money was in 5mins later. Great service.

Simple, easy process

My husband and I looked for various loans and your payments were affordable.The customer service is great very polite and professional thankyou for your service

It is definitely well recommended. Happy with my experience with oakbrooks.

Absolutely terrible experience with Oakbrook Loans.

The loan was advertised to me through ClearScore as 100% eligible and Triple Lock guaranteed. I applied on that basis, went through the process and Oakbrook carried out a hard search on my credit file.

I then received an email explicitly stating:

“Your loan has been approved.”

Despite that, the following working day I was suddenly told:

“We can't offer you a loan today.”

So what exactly was guaranteed?

I passed the affordability checks. I was shown a Triple Lock guaranteed offer. I was told in writing that the loan had been approved. They performed a hard credit search. And after all of that, I ended up with no loan and a hard search on my credit file.

If there were additional checks that could still result in the loan being declined, it should never have been presented as guaranteed or confirmed as approved.

What makes this even worse is that if you search through the reviews, you'll see other customers describing similar experiences. I really wish I'd searched and read those reviews before applying.

I would never have proceeded with a hard credit check had I known that an apparently guaranteed and subsequently “approved” loan could simply be withdrawn afterwards.

A dreadful experience. I’ll now be making a formal complaint about both the way the loan was presented and what happened after I applied.

Because everyone was so helpful and polite

Quick and easy

Quick and easy to apply.

Pretty bad to be honest.
They over charged me for settling my loan early by 7 months.
Two months interest i was charged on a 12 month loan which is illegal to do. They can only charge you two months interest if your loan is over more than 12 months which mine isn't. They never also factored in my extra £20 I paid either. So roughly i am out of pocket by quite a bit. I won't be using these again.

Great company and communication

Easy application, very quick response and decision. Thank you!

The process of me getting a loan was quick, straightforward and stress free. I’m very grateful for Oakbrook Loans. Thank you

Everything went very smoothly

Speedy, excellent service.

Speedy response plus app to manage your account

Money in account within 24 hours. Easy process, great customer care.

Oakbrook loans has helped a great deal with their low APR and also giving an additional loan upgrade when I most needed it. I would definitely recommend for anyone

very quick easy and professional

I applied for a loan a couple of weeks ago and was accepted, but I received no confirmation email and no e-document to sign — I didn’t even realise the money had been sent until I noticed it had gone into one of my bank accounts a few days later.

I decided to pay it back because I was still within the 14‑day cooling‑off period. Even so, they charged me £62 in interest, which I paid — but I don’t see why I should have had to, when I cancelled and repaid within the cooling‑off window. I simply didn’t need the full amount I’d borrowed.

A couple of days later, I went back to apply for a smaller loan — and was declined straight away with no real explanation. My credit score has actually gone up, and nothing at all had changed in my circumstances in those few days. I can only assume I was rejected because I paid the first loan back early — and that’s exactly the problem.

I’ve always paid my loans off early when I’ve had extra money, and every other lender I’ve used has appreciated it — they see it as responsible and will happily lend to you again. Not Oakwood Advance. It feels like they don’t want your business unless they can squeeze every last penny of interest out of you. Their rates are already high enough without penalising people who manage their money well.

I feel they’re not a genuine, fair company. I’m closing my account completely and I’ll never apply with them again. If you pay early, they turn you away — so you’re better off elsewhere. There are plenty of better alternative lenders who actually value reliable customers. One to avoid.

Best loan company