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  • About us

    One in five people in the world lack access to basic financial services. Our mission is to transform the lives of the financially neglected and empower them to achieve their money goals.

    We are dedicated to bringing our customers:



    Oakam’s digital-first model enables more accurate, personalised, credit scoring and lending for all.



    From application to repayments and loan top-ups – anytime, anywhere from the Oakam app and website.



    We put customers in the driving seat by providing access to flexible solutions that enable them to build a stable financial future.

    Our Company

    Oakam is a digital micro-lender that provides long-term solutions to people who are excluded from mainstream financial life.

    We know we can only achieve our mission by working with our customers to provide fair and equal access to life-enhancing credit services.

    Founded by Frédéric Nze in 2006, we build financial resilience and stability by delivering affordable, convenient loans to those excluded by traditional providers, helping them build robust credit profiles.

    Together with our customers, we are rebuilding the broken credit system.

    Read our latest news:

    Disrupting microlending

    The global need for microlending continues to grow. In 2018, 140 million borrowers benefited from the services of microfinancing initiatives worldwide, and this trend is set to continue.

    Now more than ever, underserved communities need better access to safe, transparent and fair financial products.

    Our digital delivery model enables us to provide an unparalleled level of personalisation across all our services. Through our award-winning mobile app, we gather rich, alternative data showing the positive financial behaviour of our customers. This allows us to reduce reliance on traditionally opaque credit reference agencies and makes our underwriting more accurate, tailored and better suited to our customers’ unique and individual circumstances.

    At Oakam, we take a constructive approach to lending. Instead of penalising our users for bad credit history, we reward positive credit behaviour and offer fair interest rates with no hidden charges.

    We believe in building resilience and reducing dependency. We empower customers by providing access to different levels of credit that help build their credit record over time and open the door to other financial products in the future.

    Find out more about microlending

    Our customers

    We know that diversity is strength. Oakam serves customers from a wide range of backgrounds and nationalities. We provide personalised products, tailored offers and round-the-clock, multilingual support to our customers, wherever they are and whenever they need us.

    Since 2006, we’ve empowered more than 150,000 people to build a better financial future for themselves and their families. We are very proud to be rated by our customers as one of the leading providers of microloans.