Who is OakbrookAdvance?
OakbrookAdvance is a trading style of Oakbrook Finance Limited and is a direct lender of short-term personal loans.
Oakbrook Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA).
Is OakbrookAdvance the same as Finio Loans?
Finio Loans rebranded to OakbrookAdvance in December 2025.
Customers who are still repaying their Finio Loan should continue to do so as normal; your loan terms and conditions will not change.
The name ‘Finio Loans’ is no longer being used. If you’re a new customer or a returning customer of Finio Loans, you can apply for a loan or a loan top-up with OakbrookAdvance instead.
How much money could I borrow with an OakbrookAdvance loan?
With OakbrookAdvance, you could apply for a loan between £500 and £5,000.
Depending on the amount of money you apply to borrow, you could repay your OakbrookAdvance loan across a term from 12 to 36 months.
What Representative Annual Percentage Rate (APR) does OakbrookAdvance advertise?
OakbrookAdvance advertises a Representative APR of 39.9%, along with the following Representative Example:
“Borrowing £2,000 over 24 months at Representative 39.9% APR and Interest rate 39.9% p.a. (fixed) with monthly repayments of £116.07 and a total amount payable of £2,785.68.”
Do I qualify for an OakbrookAdvance loan?
You can apply for an OakbrookAdvance loan if you:
- Are between the ages of 18 and 72;
- Are a UK resident;
- Have a UK personal bank account; and
- Are confident that you can afford to repay your loan in monthly instalments, including interest.
OakbrookAdvance loan for bad credit: can I apply?
Yes, you could still apply for a loan with OakbrookAdvance, even if you have a bad credit history.
As a credit broker, CashLady works with a large panel of lenders, several of which, including OakbrookAdvance, specialise in loans for people with bad credit.
While you could get a bad credit loan, please bear in mind that you could be offered a higher rate of interest.
OakbrookAdvance Trustpilot: where to find OakbrookAdvance reviews
OakbrookAdvance reviews can be found on Trustpilot, where, as of April 2026, they’re rated ‘excellent.’
Searching for a loan with CashLady: how does it work?
- Tell us how much money you need and how long you’d like to repay it. Our online form should take around five minutes to complete.
- Using one soft search with no impact on your credit score, we’ll scan our panel of lenders for a loan that could be suitable for you.*
- If you’re matched with a loan, you’ll be redirected to the lender’s website and can decide whether you’d like to make a full application. At this stage, the lender will carry out a creditworthiness assessment.
- If the lender is happy with the outcome of their checks, you’ll be offered the loan. The lender will then let you know when you can expect your money to be sent.
Good to know: while OakbrookAdvance offer loans between £500 and £5,000 with repayment terms from 12 to 36 months, CashLady could help you search for a loan between £100 and £10,000. The repayment terms available to you will depend on the amount of money you apply to borrow.
How quickly could OakbrookAdvance pay out?
If you’re approved for a loan with OakbrookAdvance on a weekday before 3pm, your money could be sent either the same day or the next working day. Please be aware that during busy periods, it could take up to five working days for your money to be sent.
The time it takes for the money to become available in your account will depend on your bank’s policies and procedures.
I was matched with OakbrookAdvance through a search with CashLady. Who should I contact if I have a question?
| Circumstances | Who to contact | How to contact |
| You have a question about your initial loan search carried out with CashLady. | CashLady | You can contact our friendly team using our online form. We’re available Monday to Friday, between the hours of 9am and 5pm. |
| You have a question about the loan you’ve been matched with. | The direct lender: in this instance, OakbrookAdvance. |
Call charges may apply. Please refer to the OakbrookAdvance website for opening hours. |
I’m struggling to make my OakbrookAdvance loan repayments; what should I do?
If you’re finding it difficult to make your loan repayments, please contact OakbrookAdvance as soon as you can.
OakbrookAdvance states:
“Please don’t wait for things to get out of control. We’re here to help you address the problem now and may be able to offer a solution such as breathing space or a new repayment arrangement.”
You may also be interested to know that you can get free, confidential financial advice through the following charities and organisations: StepChange, MoneyHelper, Citizens Advice, and National Debtline.
OakbrookAdvance summary
- OakbrookAdvance is a direct lender of short-term loans.
- OakbrookAdvance used to be called Finio Loans, and before that, Likely Loans.
- With OakbrookAdvance, you could get a loan between £500 and £5,000.
- Depending on the amount of money you apply to borrow, you could repay your OakbrookAdvance loan across a term from 12 to 36 months.
- As of April 2026, OakbrookAdvance is rated ‘excellent’ on Trustpilot.
- OakbrookAdvance is a trading style of Oakbrook Finance, which is authorised and regulated by the FCA.
Information is correct as of May 2026.
The information contained in this article is not intended to constitute nor should be taken as advice.