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0800 916 9186

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0330 440 7118
Call us 0330 440 7118

Personal loans

  • Personal loans start from £1,000 to £15,000
  • Pay it back over 1 to 5 years
  • Loans for any purpose

Apply now

Homeowner loans

  • Homeowner loans start from £5,000 to £125,000
  • Repay over 3 to 25 years
  • Loans for any purpose - home improvements, etc.
Apply now

Credit Card

  • Get credit from - £200 to £1,500
  • No annual fees - no hidden charges
  • Credit booster - may boost your credit rating
Find out more


  • 1000s of mortgage deals from our panel of lenders
  • Help from expert advisers
  • Buy-to-let mortgages also available
Apply now

Car Finance

  • Range of payment plans available
  • Simple process
  • Advice from experienced professionals
Apply now

A name you can trust

We've been helping people with their finances since 1991 - helping more than 250,000 people along the way. With our experience and expertise, you can be sure you're in the right hands.

We make finding the right deal simple
Why search around for the best deals when we can do it for you? We compare loan deals from a wide range of lenders to help you find a deal that suits you.
And it's not just loans we offer...
We can also help you find mortgage deals, insurance and credit cards.

Take a look at our range of loans

No matter what you need your loan for, we can help. We've helped people find loans for holidays, home improvements, debt consolidation, new cars and much more.

  • Homeowner loans
  • Personal loans
  • Debt consolidation loans

Homeowner loans

Secured loans exclusively available to homeowners. Borrow between £5,000 and £125,000 for any purpose, and pay it back over 3 to 25 years.

Find out more

Personal loans

Loans from £1,000 to £15,000. Choose a repayment period from 1 to 5 years. Ideal if you're not a homeowner or don't want to use your home as part of the deal.

Find out more

Debt consolidation loans

A loan to reduce your monthly payments. Makes managing your debts simpler by rolling them into a single affordable monthly payment.

Find out more

Need help finding a loan?

All you need to do is get in touch on 0800 916 9186 and we can tell you what's available. In the meantime, here are just some of the things our loans can cover.

  • Any-purpose loans
  • Home improvement loans
  • Bad credit loans

Any-purpose loans

Ocean Finance homeowner loans can be used for any purpose.

Popular uses include:

  • Home Improvements
  • Special Occasions
  • New Car
  • Debt Consolidation
  • Tuition Fees
Find out more

Home improvement loans

Improve, don't move! If you need to extend or improve your home, we offer a selection of home improvement loans from our panel of lenders to suit your individual needs and requirements.

  • New windows
  • Conservatory
  • Extension / garage or loft conversion
  • Home makeover
  • New kitchen or bathroom
Find out more

Bad credit loans

Ocean have homeowner loan plans available for people with or without credit problems. Our lenders don't just lend to people with a perfect credit history. If you have been unfortunate enough to have defaults, CCJs or even missed mortgage payments on your credit history, we may still be able to help.

  • Mortgage arrears
  • CCJs
  • Missed payments
Find out more

15.9% APR typical variable.

Mortgages & remortgages

Through our qualified mortgage advisers, we offer a wide range of mortgage deals from High Street lenders through to specialist lenders. We also offer help and advice on the right kind of mortgage for your needs.

  • Cheap remortgages
  • Consolidation remortgages
  • Refurbish remortgages
  • Bad credit mortgages

Cheap remortgages

Get access to some of the leading mortgage lenders including High Street banks. Having a range of different remortgage plans available allows our mortgage partner to find the best remortgage from their panel of lenders.

All quotes are free, and you will be under no pressure to accept any of the deals we find for you.

Find out more

Consolidation remortgages

A debt consolidation remortgage could help simplify your finances. Consolidating all your debts (loans, credit cards, store cards & almost any other type of debts) into one affordable monthly remortgage payment could help reduce your outgoings and possibly reduce your stress levels!

Consolidate existing credit:

  • Credit cards, store cards
  • Personal loans
  • Hire purchase
Find out more

Refurbish remortgages

Want to give your home a makeover? Remortgaging could help you raise the cash you need. Refurbish your kitchen, convert the loft, fit that en suite bathroom or even go for a complete makeover - the choice is yours.

  • New conservatory
  • Extension / garage or loft conversion
  • New kitchen or bathroom
Find out more

Bad credit mortgages

We could help you find a deal even if you have:

  • Been in mortgage arrears in the past
  • Had one or more CCJs in the past
  • Existing Debts
Find out more