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 a UK direct lender that provides personal loans. It operates under the brand name Likely Loans and focuses on providing affordable personal loans to customers who may not meet the criteria for mainstream high street bank loans but who are not at the very high-cost end of the credit spectrum.
Likely Loans is aimed at customers who need a personal loan but may have had some credit issues in the past or have a limited credit history. Interest rates are higher than those offered by mainstream banks but are positioned as more affordable than high-cost short-term credit. Loans are typically available for amounts between a few hundred and a few thousand pounds, repaid over one to five years.
Oakbrook Finance uses open banking technology and other data to make lending decisions, looking at a broader picture of a customer's financial situation rather than relying solely on traditional credit scores.
If you have a Likely Loans agreement and need to contact Oakbrook Finance, details are available on their website at likelyloans.com. Oakbrook Finance Limited is authorised and regulated by the Financial Conduct Authority.
If you are struggling with Likely Loans repayments, contact Oakbrook Finance directly. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Oakbrook Finance Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
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 sources
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.
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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