Find a loan
from £100 to
- Instant online decision
- We won't charge you any fees
- We consider less-than-perfect credit ratings
- Check if you're eligible before you apply
- We compare 100's of loans
- Smart Search will NOT affect your credit score
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
The hassle-free way to check your eligibility and get a quote, so you can get an answer in minutes
How about a Personal Loan?
Find out your chances of being pre-approved for a loan of up to £10k with no impact on your credit score.Tell me more
Intelligent Lending Ltd is a credit broker, not a lender. We work with a panel of lenders.
More about our products
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.
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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