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Why choose Ocean Finance

Simple, straightforward, sorted. Our mission is to take the hassle out of applying for finance. Whether you’ve been turned down in the past or you’re new to borrowing, we aim to help everyone - it’s that simple.

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We’ll let you know if you’re likely to get a YES without impacting your credit score

Over a million accepted

We’ve said yes to 1.1 million loan and credit card applications in the past 5 years

Simple, straightforward, sorted

It’s super quick and easy to apply, plus we won’t charge you a penny for using our services

See what our customers say about us

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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.

Thinking about applying for our Credit Card?

If you’re after a credit card that’s simple and straight forward, it could be just what you’re looking for.

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Intelligent Lending Ltd (Credit Broker). Capital One is the exclusive lender.

News & Insights

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More about our products

Personal loans

Loans from £100 to £10,000. Choose a repayment period from 3 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 £100,000 for almost any purpose, and pay it back over 3 to 25 years – 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.

Our other products

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

0161 672 7575

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