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Reinventing credit

Loal exists to equip those poorly served by mainstream credit services to overcome short-term difficulties, build their credit profiles and enhance their financial literacy. Through the Loal app, we provide the tools to enable the financially excluded to level up and improve their financial wellbeing. We do this by disrupting the traditional credit scoring system and giving control back to consumers.

A revolution in consumer finance

  • Putting you in control

    Make your data work for you

    Loal uses the data you share in the app to unlock your true credit potential, build your credit profile and graduate to mainstream credit.

  • Game changed

    Harnessing mobile technologies

    We're using the latest in mobile technology to create a fairer credit system for millions. We work with our customers through the Loal app to graduate the financially excluded to more sustainable, fairer credit solutions.

  • Fairer finance

    Levelling the playing field

    Too many people are trapped paying too much for the credit they need. We think responsible financial citizens should be recognised and rewarded with access to the same services at the same affordable prices as everyone else.

  • All together now

    Onwards and upwards

    With a focus on increasing financial wellness and building financial resilience, Loal is moving the credit industry onwards and upwards in partnership with our customers. We're on this journey with you, every step of the way.

  • The new normal

    A fairer way to score credit

    Too much of our data is locked away by Credit Reference Agencies. Loal puts you in control of your credit profile by using alternative data sources to generate your personal Loal Trust Score – a clearer and more accurate picture of your creditworthiness.

  • Control your financial future

    Putting the past behind you

    We don't focus on your past credit mistakes or thin credit files. We focus on the future. Loal builds your credit profile and helps you live life on another level.

Live life on another level

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Andrew Tate and James Hopkirk of Kreston Reeves LLP were appointed joint administrators of Oakam Limited trading as “Loal” (the “Company”) on 24 February 2022.  The affairs, business and property of the company are being managed by the Joint Administrators.   The Joint Administrators act as an agent of the company and without personal liability.  Further information is available on the Kreston Reeves website.

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Oakam Limited,
86-90 Paul Street, London,
England, EC2A 4NE

Registered in England & Wales, company number 5878249.

All loans subject to status, terms and conditions apply.

Loal is a trading name of Oakam Ltd, authorised and regulated by the Financial Conduct Authority, Financial Services Register number 678734. Registered in England & Wales, company number 5878249.

Andrew Tate and James Hopkirk of Kreston Reeves LLP were appointed joint administrators of Oakam Limited trading as “Loal” (the “Company”) on 24 February 2022. The affairs, business and property of the company are being managed by the Joint Administrators. The Joint Administrators act as an agent of the company and without personal liability. Further information is available on the Kreston Reeves website at https://www.krestonreeves.com/oakam-ltd-loal-app-faq/.

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