Also known as: Likely Loans (historical — brand renamed to Finio Loans, then rebranded to OakbrookAdvance December 2025); Finio Loans (historical); OakbrookAdvance; Oakbrook Loans
Oakbrook Finance Limited is an FCA-authorised personal lender founded in 2011, backed by Blenheim Chalcot. The company operates as a digitally-enabled consumer lender targeting near-prime borrowers. Its consumer brand has gone through multiple iterations: Likely Loans (2011-c.2022), Finio Loans (c.2022-December 2025), OakbrookAdvance (December 2025 onwards). The company also operates Oakbrook Loans (a trading name with separate FCA register entry) and O6K, a B2B technology and analytics business. Note: 'Likely Loans Clone of FCA Authorised Firm' warnings have been issued by FCA — the clone is not affiliated with the genuine Oakbrook business.
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Personal loans £500-£15,000 (12-36 month terms); near-prime consumer lending; technology-enabled credit decisioning; B2B analytics and technology (O6K subsidiary); formerly 'Likely Loans' brand, then 'Finio Loans', rebranded to 'OakbrookAdvance' December 2025
Trading names and group notes
Oakbrook Finance Limited (CH 07831517, FRN 707357) is the primary FCA-regulated entity. Oakbrook Loans Limited (CH 08292621) is a related entity. O6K is the B2B technology arm. Parent is Blenheim Chalcot. Likely Loans was the consumer brand — now discontinued in favour of OakbrookAdvance. FCA clone firm warning for 'Likely Loans' should not be confused with the genuine business.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.8 (Finio Loans / Oakbrook brand)
Approx. 9,000+ (Finio/Likely Loans consolidated profile as of November 2025); Oakbrook Loans profile: approx. 2,331 reviews at 5 stars reviews
Other review and social proof
Fairer Finance ratings available for Likely Loans; non-bank lender operating since 2014; Blenheim Chalcot-backed fintech; OakbrookAdvance rebrand December 2025; FCA clone firm warning exists for 'Likely Loans' brand (unrelated scam)
Overall public sentiment
Positive overall — 4.8 stars Trustpilot. Customers praise smooth and quick application process, fast decisions, and good communication. Negative reviews cite defaults registered despite payment arrangement compliance, excessive contact attempts despite written arrangements, and credit file impact complaints.
Ask Fin gives you simple money tools for budgeting, spotting savings, checking possible benefit areas and building better money habits. General guidance only — not regulated financial advice.
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