Homeowner Loans
£10k to £500k
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Homeowner Loans £10k to £500k
Personal Loans
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from £1,000 to
£15,000
- Instant online decision
- We won't charge you any fees
- We consider less-than-perfect credit ratings
Find a loan from £1k to £15k
Checking won’t harm your credit score
- Up to £8,000 credit limit Credit Cards
- From £10k to £500k Homeowner Loans
- From £1k to £15k Personal Loans
- You could win £7,000! Car Finance
- Build your credit score Credit Score
- Compare 100+ providers Car Insurance
Intelligent lending Ltd is a credit broker not a lender, working with a panel of lenders for loans and Capital One exclusively for the credit card.
Why choose Ocean Finance
We’ve been arranging finance solutions since 1991 and it’s our mission to take the hassle out of applying for credit.
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You can check your eligibility for all of our products without affecting your credit score
We look at all circumstances
Whether your credit score is in good shape or less-than-ideal, we can find the best option for you
Helping over a million people
Join more than 1 million pre-approved loan and credit card customers
See what our customers say about us
You want great service, who wouldn’t? Well, we’re proud to deliver
nothing short of excellence and our customers seem to agree!
Take a look at genuine reviews from our happy customers who we’ve helped get accepted for an Ocean credit card, loan or mortgage.
How about a Personal Loan?
Find out your chances of being pre-approved for a loan of up to £15k with no harm on your credit score.
Tell me moreIntelligent Lending Ltd is a credit broker working with a panel of lenders to find you a loan. The APR you are offered will depend on your individual circumstances. Rates between 10.16% APR and 99.9% APR. Repayment terms between 1 year and 5 years.
More about our products
Personal loans
Loans from £1,000 to £15,000. Choose a repayment period from 12 months 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.
Homeowner loans
Secured loans exclusively available to homeowners. Borrow between £10,000 and £500,000 for almost any purpose, and pay it back over 3 to 30 years – Find out more.
Car finance
Borrow from £3k upwards for a used car. You don’t need a deposit - and getting a quote won’t affect your credit score! 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.
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 – Find out more.
Bad credit loans
Ocean Finance have homeowner and personal 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 – Find out more.
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 – Find out more.
Loans we can help with
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