- Check if you're eligible before you apply
- We compare 100s of loans
- Smart Search will NOT affect your credit score
Find a loan
from £1,000 to
- Instant online decision
- We won't charge you any fees
- We consider less-than-perfect credit ratings
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
Over a million accepted
We’ve said yes to 1.1 million loan and credit card applications in the past 5 years
How about a Personal Loan?
Find out your chances of being pre-approved for a loan of up to £15k with no impact on your credit score.Tell me more
Intelligent 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 2.8% APR and 99.9% APR. Repayment terms between 1 year and 5 years.
More about our products
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.
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.
Loans we can help with
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