OakbrookAdvance
Here at Little Loans, we’re proud to work with a panel of over 30 trusted and responsible UK-based direct lenders. One of the lenders on our panel is OakbrookAdvance, and we’d love to tell you a little more about them.
Who is OakbrookAdvance?
OakbrookAdvance is a trading style of Oakbrook Finance Limited. The company was formerly known as Finio Loans, and before that, Likely Loans.
| Time period | Brand name |
| 2014 – September 2022 | Likely Loans |
| September 2022 – January 2026 | Finio Loans |
| January 2026 – present | OakbrookAdvance |
OakbrookAdvance has years of industry experience. They’ve shared some insight into the rebrand on their website:
“As we’ve grown, so has our vision. The word Advance represents progress and our commitment to helping customers take positive steps toward their goals.”
Do Finio Loans still exist? Could I still get a loan with Finio Loans?
Finio Loans no longer exists, and so it’s not possible to get a loan with them anymore. As we’ve talked about, Finio Loans has rebranded to OakbrookAdvance.
OakbrookAdvance offers short-term, personal loans between £500 and £5,000.
I have a loan with Finio Loans; what happens now?
On their website, OakbrookAdvance talks about their recent rebrand and offers the following reassurance to both Likely Loans and Finio Loans customers:
“If you are an existing customer, this won't affect you or your current loan with us. Although we aren't offering new Likely and Finio Loans, you can apply to top up your existing Likely and Finio Loan to an OakbrookAdvance Loan as soon as you become eligible.”
You can find out more about topping up your Likely or Finio loan by clicking the link.
Remember, a short-term loan should not be seen as a long-term financial solution, and you should never apply to borrow more money than you need to or can afford to repay. If you have any concerns about repaying your current Likely or Finio loan, please reach out to OakbrookAdvance. We’ve included their contact details further down the page.
The OakbrookAdvance eligibility criteria: who could get a loan with OakbrookAdvance?
You could be considered for a loan with OakbrookAdvance if you:
- Are aged between 18 and 72 years old;
- Are a UK resident;
- Have a UK personal bank account; and
- Are confident that you can afford to make your monthly loan repayments.
Could I get a loan with OakbrookAdvance if I have bad credit?
Little Loans is a credit broker, and OakbrookAdvance is just one of the direct lenders on our panel who could consider applications from people with bad credit history.
If you’re worried about your credit score, you can check your eligibility for an OakbrookAdvance loan before you make a full application. This will give you an indication of whether or not an OakbrookAdvance loan could be a good fit for your finances.
Apply for a loan with OakbrookAdvance: how does it work?
If you’re hoping to apply for a loan with OakbrookAdvance, you have two options: you can either apply directly via their website, or you can use a credit broker, like Little Loans.
Please be aware that when you use Little Loans’ credit broking service to search for a loan, you’re not guaranteed to be matched with a certain lender; instead, we’ll scan our panel of over 30 direct lenders to search for a loan that could be a suitable match for your circumstances. We do this using soft search technology, which will not harm your credit score.* If you’re matched with a lender, be it OakbrookAdvance or someone else, you can decide whether you’d like to make a full application on their website.
What sort of repayment terms does OakbrookAdvance offer?
With Oakbrook Advance, you could repay your loan over a term from 12 to 36 months. The repayment terms available to you will depend on the amount of money you apply to borrow.
If you’d prefer a loan with a shorter or longer term, please note that Little Loans could help you search for a loan with a repayment term between 3 and 60 months, depending on how much money you need.
OakbrookAdvance Representative Annual Percentage Rate (APR)
OakbrookAdvance shares the following Representative Example on their website:
“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.”
How long do OakbrookAdvance loans take to pay out?
If your application for a loan with OakbrookAdvance is approved before 3pm between Monday and Friday, your money could be sent to your bank either the same day or the next working day.
OakbrookAdvance advises that during busy periods, your money could take up to 5 working days to be sent.
The time it takes for the money to appear in your account will depend on your bank’s policies and procedures.
Is OakbrookAdvance authorised and regulated by the Financial Conduct Authority (FCA)?
Yes, all the lenders on the Little Loans panel are authorised and regulated by the FCA.
As we’ve mentioned, OakbrookAdvance is a trading style of Oakbrook Finance Limited, and you can find their company information on the FCA register.
Where can I find OakbrookAdvance reviews?
OakbrookAdvance Loans reviews can be found on their Trustpilot page. As of April 2026, they are rated ‘excellent’, and 92% of their 10,500+ reviews rate them 5 stars.
How to contact OakbrookAdvance
There are several ways to contact OakbrookAdvance.
- Using the live chat feature.
- By email
- By telephone: 0208 080 6457 (call charges may apply)
OakbrookAdvance is available to contact from Monday to Friday between the hours of 8am and 6pm, and Saturdays from 9am until 1pm. Please note that their office is closed on Sundays and bank holidays.
Need financial advice? Get free support
The following charities and organisations offer free, confidential financial advice: StepChange, MoneyHelper, Citizens Advice, and National Debtline.
*If you’re matched with a loan through a search with Little Loans and you choose to make a full application, the lender will complete a creditworthiness assessment, which will include a hard search or an Open Banking check. A hard search will be visible on your credit file for up to 12 months, and multiple hard searches in a short period of time could cause your credit score to decline.
Information is correct as of May 2026.
The information contained in this article is for information purposes only and is not intended to constitute nor should be taken as advice.
Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender