Finio Loans Is Now OakbrookAdvance: Here's What Changed

If you typed “Finio Loans” into Google and landed somewhere unfamiliar, you’re not losing your mind. The brand is gone. In December 2025, Oakbrook Finance retired the Finio Loans name and moved everything over to a new one: OakbrookAdvance.

Same lender, same FCA authorization, same loan agreement, just a different name on the login page. That’s confusing enough to trigger a genuine “wait, is this a scam?” moment, so let’s walk through exactly what happened and what it means for you.

The Short Version

Finio Loans rebranded to OakbrookAdvance in December 2025.
Both names are trading styles of Oakbrook Finance Limited, authorised and regulated by the Financial Conduct Authority.
If you have an existing Finio loan, your terms, repayment schedule, and interest rate haven’t changed. You don’t need to do anything.
Old Finio Loans links now redirect to oakbrookadvance.com. Your account and login details still work there.
Be cautious of anyone asking you to “move” your loan to a new bank account. That’s not how this works, and it’s a common scam pattern after a rebrand.

Why Did the Name Change Again?

This isn’t even the first rebrand. The company started out in 2011 as Likely Loans, switched to Finio Loans in September 2022, and then moved to OakbrookAdvance in December 2025.

Oakbrook has said the goal was to fold its lending brand into a single, purpose-led identity rather than running a separate consumer-facing name alongside the parent company. In its own announcement, the company described the move as putting the Oakbrook name “front and center” so customers know exactly who they’re borrowing from, a business focused on financial inclusion for people who don’t fit neatly into mainstream lending criteria.

Whether or not the branding logic lands with you, the practical result is simple: three names, one company, and one FCA license.

What Happens to Your Existing Loan

Nothing changes on the terms you already agreed to. Oakbrook has been explicit about this: current Finio Loans agreements remain unchanged, and support is still available through the same channels you’d normally use.

That means:

Your interest rate stays what it was when you signed.
Your monthly repayment amount and due date stay the same.
Your remaining balance and total repayable amount are unaffected.
Direct debits already set up should continue to run as normal.

You’re not being asked to re-sign anything or accept new terms just because the brand changed. If anyone tells you otherwise, treat it as a red flag rather than a formality.

How to Find and Manage Your Account Now

Old Finio Loans web addresses now redirect automatically to OakbrookAdvance, and the same login credentials you used before should still get you in. If you’re struggling to log in, the OakbrookAdvance site has a dedicated page for former Finio and Likely Loans customers pointing you toward help, rather than a generic contact form.

A few practical steps if your login isn’t working:

Go to oakbrookadvance.com directly rather than clicking a link from an email or text.
Use the same email and password you had with Finio Loans.
Look for the “Finio or Likely Loans customer” help link if you’re stuck.
If none of that works, contact OakbrookAdvance support through the official site rather than a number or email from an unsolicited message.

Is This a Scam? How to Stay Safe

It’s a fair question, and rebrands like this are exactly the kind of thing scammers try to exploit. A few rules worth following:

Your debt doesn’t disappear because a brand name changes, and no legitimate lender will ask you to send a payment to a new, unverified account to “settle” or “transfer” an old loan. If you get an email or text asking you to do that, don’t act on it. Go to the lender’s website independently (type the address in yourself; don’t click the link) and check your account directly, or contact them through a number you’ve sourced separately, such as one listed on the FCA register.

Oakbrook Finance Limited (company number 07831517) is on the FCA’s Financial Services Register, and that hasn’t changed with the rebrand. If a message claiming to be from Finio, Likely Loans, or OakbrookAdvance feels off, verifying against the register is a reasonable first move.

Oakbrook Advance at a Glance

For anyone who was browsing Finio Loans as a prospective borrower rather than an existing customer, here’s what carries over to OakbrookAdvance:

Loan amounts typically range from £500 to £5,000.
Repayment terms generally run from 12 to 36 months, with longer terms available in some cases.
Representative APR has been advertised around 39.9%, with a wider range depending on individual circumstances.
Applications start with a soft eligibility check that doesn’t affect your credit score, followed by a full credit check if you proceed.
OakbrookAdvance is rated highly on Trustpilot, though some reviews still reference the old Finio Loans name.

As with any personal loan, the rate and term you’re actually offered depend on your credit profile and affordability, so treat any advertised rate as an example rather than a guarantee.

Can You Top Up or Borrow More?

If you already have a Finio or Likely Loan and want to borrow additional money, you can apply to top it up once you become eligible. Here’s how that works in practice: your existing loan gets combined with the new amount you’re borrowing, your old agreement closes, and you get a fresh credit agreement under the OakbrookAdvance name for the combined balance. It’s not two separate loans running side by side; it’s one consolidated agreement going forward.