Oakbrook becomes first UK lender to launch within ChatGPT, bringing debt consolidation into conversational AI

Oakbrook has become the first UK lender to launch a dedicated GPT-powered app within ChatGPT, enabling consumers to explore combining multiple debts into a single structured repayment plan through a conversational interface.

Available under OakbrookOne, the app allows users to model what replacing several existing debts with one monthly repayment could look like, without needing to contact multiple lenders or manually coordinate repayments.

Through a guided conversation, users can:

• Share details of the debts they are currently managing
• See what a single monthly repayment could look like
• Understand their potential repayment timeline based on their chosen term
• Check their eligibility

If a customer is approved and chooses to proceed, OakbrookOne can manage the repayment process directly — contacting creditors and arranging settlement — reducing the administrative burden often associated with consolidating debts.

Claire Smith, Marketing Director at Oakbrook, said:

“We believe managing debt should be clearer and easier to navigate. OakbrookOne was designed to help customers explore replacing multiple balances and payment dates with one structured plan.

Becoming the first UK lender to launch within ChatGPT reflects how conversational AI is changing the way customers explore financial decisions. Our focus is to ensure that experience is transparent, responsible and genuinely helpful.”

OakbrookOne supports customers across the UK who are looking to combine existing debts into a single repayment plan, subject to eligibility and affordability assessment. Some customers highlight the benefit of having one payment to manage and a defined end point, although individual experiences vary.

The launch forms part of Oakbrook’s broader strategy to use technology and data to simplify and personalise borrowing, particularly for customers who may be underserved by mainstream lenders.

The OakbrookOne GPT app is available to UK ChatGPT users by searching for OakbrookOne within ChatGPT.

Important information: Consolidating debts into a single loan may reduce the number of payments you make but could increase the total amount payable and/or extend the repayment period. Eligibility and interest rates depend on individual circumstances and affordability checks. Credit subject to status. UK residents aged 18+. Terms and conditions apply.