Ocean Finance and Mortgages helps thousands of people every year to achieve their goals. Even in this difficult climate Ocean is still raising millions of pounds to help our customers sort their finances.
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OUR TYPICAL, VARIABLE RATE IS 17.9% APR. MOST PEOPLE WILL RECEIVE A LOWER RATE THAN THIS.
RATES RANGE FROM JUST 9.7% to 29.9% APR.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
There are a whole host of reasons that could adversely affect your credit rating and damage your ability to get a loan in the future, Provided you are now in a position to afford such credit, help to repair your financial record could be at hand in the form of poor credit loans,
In the current financial climate, you could easily fall into debt through losing your job or prices going up, whilst the possibility of just missing the odd credit bill payment always looms over anyone who chooses to make purchases on their plastic. You should however avoid taking out loans should you be unfortunate enough to become unemployed and contact your existing creditors for help instead.
Even people who don't borrow in order to spend can see their credit ratings damaged – they may forget to settle a utility bill or leave a parking fine unpaid, leaving them seeking poor credit loans.
Then of course, there are the people who have been served with County Court Judgements (CCJs), those who have defaulted on mortgage payments and people who have emerged from bankruptcy.
However, if any of these people decide to search for poor credit loans on the internet or they need to borrow money in the future and find that mainstream lenders aren't being accommodating, there are lenders on Ocean’s panel who will consider their circumstances.
Poor credit loans are available from between £5,000 and £100,000 for people with various credit ratings and are available for terms from three to 25 years – whatever timescale works best for you in line with current guidelines.
At Ocean Finance, our system for arranging loans for people with poor credit couldn't be simpler – it just takes three steps.
To begin with, just fill in the simple form on our website which tells us about your situation and then one of our dedicated underwriters will provide a no obligation offer from our panel of lenders.
And don't worry – we'll only try to find poor credit loans for people whose situation fits them. On some occasions a remortgaging plan may be a more suitable option and if you think that maybe the case, please ask us about this facility.
The next stage of the process is for you to tell us whether you're happy with the loan we've offered you. If you are, all you need to do is sign the papers and return them freepost back to us.
The final part will see our staff efficiently process your application and arrange for the lender to release the funds to you.
One of the best aspects of poor credit loans is that, the money released can be used for various reasons.
You may have built up a number of debts that you'd like to pay off and only have one monthly payment to make – poor credit loans can be used for that.
Perhaps you'd just like to treat yourself to a new car, holiday or home improvements once you’re in a stronger financial position - the money released from poor credit loans can be put towards those purchases as well.
Whatever your reason for thinking about poor credit loans, why should you come to Ocean Finance?
Well, you wouldn't be on your own, that's for sure – thousands of people come to us to discuss their finance needs and they really appreciate our no pressure, no obligation approach.
As both a lender and the UK's leading finance broker, Ocean gives you unrivalled access to thousands of loan products, including a wide range of poor credit loans so we can help people who have a variety of different circumstances.
All of our loans come at competitive rates of interest for your profile too.
So whether you need poor credit loans or some other kind of borrowing, get in contact with Ocean Finance today on 0800 916 9186 or get in touch via the website.
Need a poor credit loan? Ocean Finance have loan plans to suit people with good, fair and poor credit ratings, with loan deals specifically designed to help people with a poor credit rating. We are often able to help people find a loan even if you have been turned down elsewhere.
Ocean Finance specialise in helping some people improve their poor credit profile by offering them a loan plan suitable for their circumstances. We search for the best rates available from our panel of lenders to find you a good deal on your loan.
An Ocean Finance Loan can be used for almost any purpose, including debt consolidation, You can pay off all your existing credit cards, overdrafts and unsecured loans and replace them with just one manageable monthly repayment. It is important to note by extending your debts over a longer period may result in you repaying more over the term of the loan. One of our dedicated underwriters will be happy to answer any questions you may have.
Even if you have poor credit profile, county court judgments (CCJ's) or mortgage arrears Ocean Finance could still help you find a loan plan from our extensive range of poor credit loans.
In some circumstances remortgaging may be a more suitable option than a secured homeowner loan, Ocean Mortgages also have specialised poor credit remortgages that can help people with an adverse credit rating.
OUR TYPICAL, VARIABLE RATE IS 17.9% APR. MOST PEOPLE WILL RECEIVE A LOWER RATE THAN THIS.
RATES RANGE FROM JUST 9.7% to 29.9% APR.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Homeowner Loans Secured On Your Home
Use an Ocean Finance UK homeowner loan to consolidate all your existing credit cards, store cards and unsecured loans leaving you with just one convenient, manageable monthly repayment and improve your cash flow. Alternatively use your Ocean Finance any purpose loan for items such as a new car, home improvement jobs or a holiday. Even if you have bad or adverse credit, county court judgments (ccj's) or mortgage arrears you may still qualify for a home loan through Ocean Finance.
"Ocean Finance®", "Ocean Mortgages®", "Ocean TV®","Ocean Finance TV®", Ocean Money® and Ocean® are registered trademarks of Ocean Finance and Mortgages Limited. The use of these marks is strictly restricted to our approved suppliers only. Any infringement of this will be vigorously pursued. 'Ocean Finance' and 'Ocean Mortgages' are trading styles of Ocean Finance and Mortgages Limited. Company Registration Number 4892540.
We are authorised and regulated by the Financial Services Authority for the provision of mortgage advice and arranging insurance. We are a licensed credit broker under the Consumer Credit Act 1974
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