Simple borrowing experiences

We focus on simple and supportive borrowing experiences. Working in partnership with our customers to make sure our loans are affordable and right for them.

Who are Finio Loans?

Finio Loans is a brand-new loan from Oakbrook. It’s a transparent and fair way to borrow with absolutely no surprises, just simple, highly personalised loans when you need them most.

Our goal is to be the UK’s most trusted lender and we’re fully committed to professional, responsible lending with the help of Open Banking.

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A note from our MD

Our purpose is to simplify and personalise borrowing. We understand everyone’s circumstances are different, which is why we focus on ensuring we find the right solutions for your individual needs. A loan with Oakbrook is more than just a loan, it’s the start of a partnership towards improved financial wellbeing.

Jon Painter, MD

Clear and simple borrowing

We’ve got a very clear purpose - we’re going to simplify and personalise borrowing. We know that financial products have become too complicated, so we’re on a mission to change that.

We focus on simple and supportive borrowing experiences. Working together in partnership with our customers to make sure that any loans we offer are affordable and right for them.

And, as part of this we’re here to offer support whenever its needed – that’s how partnerships work, right?

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Understanding what’s important

Everyone should be able to borrow money if they can afford to do so.

But we know that many people have had challenges with borrowing in the past which may have damaged their credit score. If you do find yourself with a poor credit score then you might also be finding it hard to borrow what you need to.

But here at Finio, whether your credit rating has taken a knock or not, we’ll do our very best to help you access the money you need to borrow if we think it’s affordable and right for you.

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Working with you

We know that looking after your credit score is important – that’s why we’ve put lots of things in place to help you do just this.

You can check your eligibility for a loan with us using our online loan calculator, without it impacting your credit score at all.

We use open banking for some applications. This means we can work with you to make sure the loan you’re applying for is affordable for you.

If you do apply and are accepted, you could get the money in your account the same or the next working day. However, during busy periods this could take up to 5 working days.

And, we have great ways for you to manage your loan using an online account. You have access 24 hours a day, 365 days a year so you can manage your loan how you want to.
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Check Your Eligibility


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( It won’t affect your credit score )

Representative 39.9% APR