Ocean Finance
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You're in the very best hands with Ocean Finance. Get in touch and see how we can help you too.

Don't just take our word for it

"I was having trouble getting credit. Ocean Finance were literally the best, they really transformed my credit score, and I couldn't be happier I'd highly recommend you give them a try."

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Independent customer feedback

All Feefo reviews are gathered anonymously from genuine customers. Take a look at these comments from people we've helped.


of our customers are pleased with our service



Having rung Ocean Finance for help, I was reassured in the very first phone call that they could and would help us.I found their staff to be understanding, courteous and most importantly knowledgeable .Nothing was too much effort and It was a pleasure to deal with them.


Chris,Warren,Kelly & Anne were fab and kept me up to speed with everything going on in the background.


Helpful, clear focus and professional approach

Happy to help

Call us if you have any queries, no matter how small, and we'll be ready to lend an ear.

0161 672 7575

Common Questions

More about us

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 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 home improvements, debt consolidation, new cars and much more.

Personal loans

Loans from £2,000 to £5,000. Choose a repayment period from 2 to 4 years. Ideal if you're not a homeowner or don't want to use your home as part of the deal.

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Homeowner loans

Secured loans exclusively available to homeowners. Borrow between £10,000 and £150,000 for almost any purpose, and pay it back over 5 to 25 years.

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Debt consolidation loans

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

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Need help finding a loan

All you need to do is get in touch on 0161 672 7575 and we can tell you what's available. In the meantime, here are just some of the things our loans can cover.

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
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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
View bad credit loans

15.3% 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

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.

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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
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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
View refurbish remortgages
Bad credit remortgages

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
View remortgages