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.

Secured loans : Rates start from 9.23% APR. We also offer a range of products with rates up to 33.5% APR, which allows us to help people with a range of credit profiles. 15.9% APR typical variable. 2 out of 3 customers will receive this rate or lower. Ocean Finance arranges secured loans from a panel of lenders. Ocean will receive a commission from the lender upon completion. A fee of 12.5% of the net loan amount, capped at £2975, is payable upon completion. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Unsecured loans : 24.9% APR Representative

Find a bad credit loan with Ocean

If you have bad credit, finding a loan may be a difficult task. At Ocean Finance we specialise in helping people with a bad credit history - so if you need a bad credit loan, contact Ocean Finance for a free no-obligation quote.

A bad credit homeowner loan is a secured loan that is specifically designed for borrowers with a bad credit ratings. You may be affected by a bad credit rating if you have previously defaulted on a loan, have a CCJ against your name, have mortgage arrears or have failed to meet credit card repayments. Bad credit loans typically carry less favourable interest rates than some other loans, but they can be very helpful in terms of improving your credit history as long as you make repayments on time.

Ocean Finance will compare bad credit loans from the many different lenders on our panel to try and find a deal that suits your circumstances. Ocean Finance has helped over 250,000 homeowners to arrange a loan, many of whom had a bad credit rating.

A UK homeowner loan from Ocean Finance could be used to consolidate all your existing credit cards, store cards and unsecured loans, leaving you with just one convenient, manageable monthly repayment and cash to spare. It is important to note that extending the term of any finance may result in you repaying more interest over the term of the loan.

We have loan plans to suit people with good, fair and bad 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 they have been turned down elsewhere.