Representative 49.9% APR.

Representative example: Borrow £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative.

Rates from 45.3% APR to 1721% APR - we provide a no obligation quote, your APR will be based on your personal circumstances. The minimum repayment period for any loan will be 90 days from the date the loan is issued. The maximum repayment period is 4 years

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Please note: Oxygen is a credit broker, not a direct lender. Our FREE quoting service compares more than 50 lenders within a matter of minutes, and finds you a loan lender to suit your needs.

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WARNING: Late repayment can cause you serious money problems. For help and advice go to: We are fully authorised and regulated by the Financial Conduct Authority in the UK. We are entered on the Financial Services Register no: 826691

Receiving a loan offer does not obligate you to accept. We encourage you to read all terms, conditions and repayment policies before confirming your loan.

If you choose to cancel your loan, please review your specific loan agreement carefully, as cooling-off and cancellation policies vary.

Oxygen Loans evaluates your loan requirements against pre-selected UK lenders that are qualified to meet your lending needs with an easy to repay instalment loan spread out across a wide repayment period.

You answer a few easy questions, and we’ll do the rest.

  • Easy, fast online application process
  • Safe, secure and confidential loan request
  • Apply for a loan between £100 - £5000
  • Funds can be deposited into your account*subject to final checks
    • Simple online application
    • Apply for £100 - £5000
    • Must be over 18
    • Open 24 hours a day
    • Secure and confidential
    • Funds deposited into your account
    • Personalised quote
    • Loans subject to status

Instalment loans from Oxygen

When you require your next cash infusion without heaps of waiting time and endless paperwork, Oxygen Loans is here to help. We use our proprietary software to match your loan requirements with our comprehensive lending network, finding you a loan that fits, fast.

We secure loans for thousands of customers across the United Kingdom each day, securing access to cash for qualifying applicants. Simply let us know how much money you wish to borrow, and the duration required to repay your loan. Our brand new “swipe and select” application is simple and straightforward, typically taking only two minutes or less to complete.

We’ll analyze your cash needs against the information provided to make a loan decision in under 60 seconds. After your application is approved, you can expect funds to be deposited directly into your account

Please be sure to read all terms and conditions carefully before proceeding with your loan, as individual policies will vary by loan provider. These loans are specifically designed to be short-term loans and are not appropriate for long-term borrowing needs

Simple steps to a free no obligation loan quote

  • Fill in our Easy, Online Application
  • We will provide you with an online decision
  • Sign your agreement and receive your funds

The right loan can help with dozens of acute and stressful situations.

Here are a few common situations an Oxygen Loan can help with:

    • Unforeseen school expenses
    • Unexpected travel expenses
    • Broken down vehicle
    • Emergency home repair
    • Other unexpected events
    • Medical emergency

Our pre-selected network of online lenders secures thousands of loans for customers across the United Kingdom each day. Our website is 100% secure, simple and encrypted with Norton Business Level SSL EV Security to ensure your data and personal information is secured at all times


Our top frequently asked questions

Oxygen Loans is committed to complete transparency across all of our lending practices. As your loan broker, our goal is to provide you with easy access to the information needed to make the decision that’s right for you.

We invite you to read our Frequently Asked Questions (FAQ) to learn more about questions that people commonly ask when seeking the right loan. Reviewing the information below can give valuable insight into our process as loan brokers and how we find you the right loan when it matters most.

Security is a priority for us and you can rest assured that any personal or financial information that you share with us is secure at all times. Oxygen Loans is registered with the Information Commissioner’s Office (ICO) under Data Protection Registration #ZA498808 and can be easily identified by this number upon request. Your personal information is also protected by Data Protection Act 1998, which guarantees the total protection of any personal or financial data that’s collected or stored.

Not only do we protect your data in full, but we actively work to provide the highest level of security currently available. We utilize Norton Business Level SSL EV Security, which leverages the world’s most powerful encryption algorithm to provide encryption 64,000 times stronger than common data protection methods.

Any data that passes between our servers and your web browser or mobile device is always safe, protected and confidential. When you submit your information to Oxygen Loans so that we can provide a real-time evaluation of your lending needs, we’ll use it solely to process your application and find you a suited lender. This means your information will never be shared, sold or duplicated in any capacity and you will not receive any spam emails and/or texts as a result of your use of our service. Your information will never be used for marketing purposes or be sold to third-party entities.

When you choose Oxygen Loans as your loan broker, you can be confident that we’ll only use your data to process your application and arrange loan and repayment details that fit your needs. Regardless of the size or tenor of your loan, your information remains confidential and your data stays protected by the industry standard of encryption technology.

Yes. Oxygen Loans is fully authorized and regulated by the Financial Conduct Authority (FCA) while operating under full compliance of the latest rules and regulations issued by the FCA. We are fully registered with the Financial Services Register and can be identified under registration number FRN 826691.

Every situation is different and so is every loan. Oxygen Loans is built specifically as a flexible lending platform and won’t require your credit score to be flawless to secure a loan. We realize that each person has their own financial background and real-time cash demands, so we’ll work with you directly to secure a loan that fits within your personal specifications.

We do have a few core requirements necessary to successfully apply for a loan. If you can answer YES to the following criteria, you’ll be in great shape to secure your Oxygen Loan:

  • You are at least 18 years of age
  • You are actively employed or have regular income
  • You have a UK bank account with a debit card
  • You are a UK resident with a verifiable address

Oxygen Loans doesn’t expect you to have an immaculate credit history but will ensure that our loans always adhere to the core requirements listed above.

If you can answer a confident YES to the above criteria, we invite you to apply for your Oxygen Loan today!

Repayment periods range between three(3) and twenty-four(24) months. When filling out your application, please approximate the duration you’ll need to repay the loan and we’ll use our proprietary software to match you with an available loan offering. Your requested repayment terms will be a significant component when it comes to matching you with a loan provider that meets your lending needs.

Oxygen Loans works to find you a loan that suits your needs, regardless of your financial background or credit score. We know that cash flow issues and unexpected expenses can impact people across all ages and backgrounds. As such, we don’t believe that you should be punished or excluded because of your financial history, so we’ll work to find you the right lender regardless of your established credit history. Whether you’ve always paid on time and simply need a temporary cash boost, or have missed payments in your past, we’ll work with you and the information you provide us to secure a loan that meets your needs.

You will be required to meet our minimum lending criteria (as listed above) and must affirm that you can afford repayment terms before any loan offer is finalized. As long as these terms are adhered to, it’s most likely that we’ll be able to find you a loan that meets your needs and secure your cash with a speedy turnaround.

We know that you’re busy, so we’ve designed our loan process to be as easy, secure, and fast as possible. We’ve boiled down all of our essential questions into one easy application, which can be completed in under two-minutes. This application can easily be completed from your mobile-device, tablet, laptop or desktop computer.

After you’ve filled out the necessary information required to process your application, we’ll typically notify you of approval in 60 seconds or less

This offer will be held until you review the terms of your loan and once you’re ready to proceed, funds become available quickly

Our Annual Percentage Rates (APR) range from 45.3% APR to 1721% APR. The annual percentage rate of your loan will vary based on a range of factors including loan type, lender and your personal credit status. We’ll take steps to make sure you’ve read and agreed to any APR percentages before you agree to move forward with a loan offer, as terms and conditions will vary with each unique lender. Any charges, loan fees or interest percentages will be clearly visible for you to review and as always, we’re available to answer any questions you may have.

Be sure to review the terms of your loan in full before proceeding to ensure that you’re confident in both the APR and any additional requirements of the loan. If you have any questions we welcome you to contact us at

Securing your loan is just a few simple steps away!

Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative

Your APR will vary based on your individual circumstances and loan tenor.

Important information

Collection practices

After securing your instalment loan, regardless of the size or tenor of the loan amount, you are responsible for the repayment of the agreed upon loan. If for any reason you find that you will be unable to meet the agreed upon repayments or feel that these repayments will be too difficult, you must contact the provider of your loan as soon as possible.

By contacting your unique lender, you’ll be informed of any possibility to reschedule or otherwise restructure your loan repayments, or discuss other options necessary to avoid adverse action. It’s important to remember that altering or adjusting the repayment structure of your loan can result in increased charges or interest.

Any specific questions regarding your actual loan agreement should be addressed directly to your lender. If you do not attempt to contact your lender and instead default on any part of your established repayment schedule, the lender reserves the right to make your details readily available to third-party debt collection agencies to recover the debt accordingly.

While specific lending policies will vary, lenders typically reserve the right to utilize Continuous Payment Authority to take payments directly from your card and/or account up to ninety (90) days past your due date. This action may only occur if it’s been agreed upon within the terms and conditions of your signed loan agreement.

It’s important to review this agreement carefully before finalizing your loan, as any rules or regulations associated with the loan agreement may vary according to your specific lender.

Implications of Non-Payment

It’s important to understand that when you accept your loan, it establishes an agreement between yourself and your respective lender that is legally binding. Receiving a loan can become highly problematic if you do not adhere to the agreed upon repayment structure, as this can cause additional fees and interest and your lender reporting your loan as delinquent, when can negatively impact your credit score. A poor credit score can impact your ability to secure future loans or important future agreements like a home mortgage, automobile financing, etc. If you do pay on time consistently however, this can have a positive impact on your credit score.

If payments become late, it’s likely that additional collection fee and/or interest will accrue on your loan, in addition to the existing interest on the outstanding balance. You will also be legally liable to repay your lender any expenses or costs incurred while trying to recover your loan.

As such, there are a few important notes to keep in mind before you proceed to secure your loan:

  • Do NOT accept a loan agreement if you will have difficulty paying it back.
  • If you have any difficulty with repayment, contact your lender immediately and ideally, before a missed payment actually occurs.

Instalment loan renewal policy

If you require additional funding after your initial loan has come due, your lender may be willing to renew your loan. Contacting your lender individually is the best way to learn about their loan renewal policy and if this may be the right decision for you.

Our lenders typically charge the same or improved rates if you have successfully repaid a loan with them in the past, making you eligible for improved offers in the future. All of our pre-selected lenders will require you to affirm that you can afford your loan, regardless of size and tenor, and if you decide to renew a loan you should consider your ability to promptly repay an utmost priority.

Delayed or delinquent payment can lead to more interest and fees being added to your account and can result in a negatively impacted credit score as well

When you require your next cash infusion, Oxygen Loans will work to find you the right pre-approved lender to make your cash available as soon as possible, often rendering a direct deposit after approval

We specialize in instalment loans to spread your require repayments out over a number of months, which serves as an excellent alternative to both short-term and payday loans. When you apply for a cash loan with Oxygen Loans, we match your needs with available plans from over 50 lenders in seconds flat. We find the lender that has the cash available with repayment options that suit your needs and communicate this option to you as rapidly as possible.

Oxygen Loans emphasizes instalment loans, which serve as the ideal alternative to short-term or payday loans that require rapid repayment and are generally less flexible. We specialize in leveraging the ease of use, speed and convenience of these services, coupled with a more spacious repayment period. We believe that when it comes to your loan terms and repayment period, more breathing room is always a good thing…

Submitting your application today requires absolutely no obligation and can be processed in a matter of minutes. We welcome you to search for the right loan, which you’ll only be obligated to repay after signing electronically to confirm and receive your loan offer.

The Many Benefits of Instalment Loans

Oxygen Loans has some tremendous benefits over short-term loans like payday loans. This is primarily because loans you find through us allow for a longer payback period, up to twenty-four (24) months. This time can be incredibly helpful when it comes to securing the funds needed to pay your loan on back in-full and on-time.

It’s also important to note that when you apply for a loan online with Oxygen Loans, we won’t provide extra hassle and requirements like providing a recent bank statement or employer references. Our easy to fill out form has been consolidated to include only the most essential questions and can be completed in minutes. This all-in-one form will provide our lenders with all of the information they need to make a decision on your application and secure your funds.

Online loans brokered via Oxygen Loans are fast and easy, approved online and then sent directly to your UK bank account.

Instalment payments make repayment much more navigable than payday alternatives, though you should still be sure to read all terms and conditions contained within your specific loan offer.

No obligation application

Our no obligation, no-hassle, application is simple and straightforward, so you can secure your funds even faster.

We’ve worked diligently to make our process as simple as possible, so you can secure your funds and be on your way! As long as you meet our straightforward eligibility criteria, your loan should be approved in minutes and sent directly to your UK bank account shortly after you’ve confirmed and signed for your loan.

However, successfully completing your application does not automatically qualify you for a loan, as your application will be reviewed by our short-term lenders. Your application will be approved or declined based specifically on the information you provide on your application, and you should be sure to reply to any and all questions accurately and honestly.

If your application is successful, we’ll select options based on your needs and present them to you as quickly as possible. Once these options are presented, you are still under no obligation to proceed with your loan agreement.

If the loan offered does not meet your requested amount (for example, a loan offer of £200 when you’ve requested £400) you are under no obligation to accept the offer. As with all loan offers, we strongly advise you to review all terms and conditions associated with your loan offer before proceeding and signing your loan agreement.