Discover everything you need to know about credit cards, loans, mortgages, insurance and more with our in-depth guides. Written by experts, we aim to answer all your burning finance questions - in an easy-to-understand way.
Found an error on your credit report? Keeping your file up to date can help improve your score. Find out how to fix mistakes on your report here.
Find out what the pros and cons of home improvement loans versus remortgaging are, to help you decide which is the best option.
If you’ve taken out a personal loan and feel that you’re able to pay off the remaining balance before the term ends, read on to find out what your options are when it comes to early repayment.
If you’re unsure what to look for in a good interest rate on a personal loan – we’re here to help. Read on to find out what APR you should expect to see and how this can affect repayments.
If you’re considering taking out a personal loan to finance the purchase of a property, read our guide to ensure you’re making the right decision and what alternatives are available to you.
If you’re thinking of applying for a personal loan to use for business purposes whether it be starting up or stocking up, read our advice to learn more about the best way forward.
Find out how long it takes to get a personal loan, from the point of application through to receiving the funds in your bank account.
Find out whether getting a personal loan for home improvements is the right choice for you, or whether you should consider a different option.
If you don’t keep up with loan repayments it can have a severe impact. Here’s why you should keep up with your payments
Article written by Jimmy Coultas
12 min read
If you're receiving benefits because you have health conditions, a disability, are unemployed or for any other reason, find out how you can get a loan in the Ocean Finance guide.
If you’ve heard of a debt consolidation loan but don’t know what it is, don’t worry, we’ve got you covered. Read on to discover the difference between the two main types of debt consolidation loan, and what you can use them for.
Are you unsure what the difference is between debt consolidation and debt management? We discover the pros and cons of each to help you decide which is the best option.
Find out if you should get a debt consolidation loan, and if so, what type of loan would suit you best. Plus, discover how to get approved for a loan and what the alternatives are.
Our guide explains why you might have been rejected for a debt consolidation loan and what you can do next.
With a range of different types of car finance available, it can be tough to know which one is right for you and your circumstances. Check out our guide to find out more so you can make an informed decision.
Do you have bad credit and no guarantor? Find out what types of loans are available to you and how you can improve your eligibility.
To make sure you’re prepared when it comes to your mortgage application, read on to learn all the essential criteria.
Had a little scrape or wondering whether you should claim on your insurance for that dent on the bumper? Find out when it is – and isn’t – worth making a claim on your insurance.
Find out exactly what documents you’ll need to apply for a credit card online or in person. Here are the details UK banks and providers need for your application.
Discover what’s important to mortgage providers and how to improve your chances of approval with our easy steps.
Find out what to do if you’re loan application has been declined, and how to improve your credit score for next time.
If you need to borrow but are struggling with bad credit, there are a few options to consider - find out more.
If your car is worth less than your outstanding finance, you’ll be in negative equity. Find out what you can do in this situation and whether negative equity car finance could be an option for you.
Article written by Verity Hogan
10 min read
Struggling with a bad credit score? Here is our guidance on what options are available to those people with bad credit looking to remortgage their property.
Our guide looks at how a high debt-to-income ratio can affect your ability to get a debt consolidation loan and the steps you can take to improve it.
Whether you need to move quickly to secure your dream car, or you’re concerned about your eligibility, find out whether you can get an instant decision on your car finance application and how to speed up the process.
If you're considering using a credit card for your business, it's best to make sure you're using the correct type. Read on to find out how corporate cards and business cards differ.
You can still borrow cash to improve your home's value - even with poor credit. Find out more about bad credit home improvement loans in our guide.
Article written by Jimmy Coultas
7 min read
When applying for car finance, eligibility checks are performed to predict what type of borrower you’ll be and whether you can afford the loan. Read our guide to learn more about the most common checks you can expect to face.
Our guide looks at whether you can get a debt consolidation loan without collateral and the pros and cons of secured and unsecured finance.
Find out if it's possible to sell your house if you have a secured loan attached to it.
Our guide looks at the government debt consolidation advice and programmes available.
If you’re looking to pay off your existing credit card debt with a credit card, make sure you read our in-depth guide to learn the ins and outs.
Getting a business credit card can be harder if you've got less than perfect credit, but it isn't impossible. Find out what you need to consider before applying for a business credit card.
Want to build your credit score and avoid interest charges? Learn how to use your credit card smartly with 10 top tips from Ocean Finance.
You don’t need to pay off your full credit card balance every month, but you’ll be charged interest if you don’t. Find out more in our quick guide.
Article written by Jimmy Coultas
4 min read
When is the right age to think about applying for a credit card? Find out how old you need to be to get credit and build your score in our Ocean Finance guide.
Struggling to meet your credit card repayments? Learn how to prioritise your debt and avoid arrears with this Ocean Finance guide.
Just moved to the UK and planning to apply for a credit card? Not sure if you'll be accepted? Our handy guide will make the process easier.
Article written by Zubin Kavarana
3 min read
What exactly do lenders look for when you apply for a secured loan? Find out the criteria here in this simple guide from Ocean Finance.
Our guide will define PCP (personal contract purchase), break down exactly how it works, and give you the information you need to help you decide whether it could be a suitable finance option for you.
If you’ve had a CCJ in the past it may affect your chances of securing car finance, but it’s not impossible to find a deal. Check out our guide to find out more about CCJ car finance and how to find the right option for you.
Part exchanging a car could help you cut the cost of your next vehicle or provide a deposit for a new car finance deal. But how does it work and what can you do to ensure you receive the best value? Our guide is here to help.
Whether you’re looking to spread the cost of a new car, improve your credit score, or explore the different types of loan available, read on to find out more about the pros and cons of car finance.
While an IVA can be an effective solution if you’re struggling to repay your debts, it may affect your chances of securing a car loan. Check out our guide to find out more about IVA car finance and how to find the right deal for you.
Guarantor car finance is a type of car loan where someone else agrees to step in and make the repayments if you can’t. Read our guide to find out more about guarantor loans, their pros and cons, and whether they might be a suitable option for you.
If you’re currently facing bankruptcy or have been bankrupt in the past, it can affect your chances of securing a car loan. Check out our guide to find out more about bankruptcy and car finance.
Whether you’re selling your car to a private buyer, giving it to a family member, or trading it in at a dealership, you’ll need to transfer your car ownership. Find out how to complete the process online or through the post with this guide.
Do you need to borrow for home improvements? Learn more about secured renovation loans and find out how to apply with Ocean Finance.
Car insurance is one of the most important things to consider when buying a car on finance. But what are the different types available, how can you find the cheapest policy, and should you get gap insurance?
Voluntary termination is your legal right to end a car finance agreement early and walk away. Find out how it works, how it affects your credit score, and whether it could be the best choice for you.
Discover what classifies as an insurance write off and how it could impact you if you have outstanding car finance.
If you think you might struggle to make a car finance payment, our guide will help guide you towards support and available solutions.
A full UK driving licence is often required when applying for a car loan, but getting car finance without one isn’t impossible. Find out more about the options available in our guide to getting car finance without a driver’s licence.
If you’ve taken out a loan that you’re struggling to repay and are wondering whether it’s possible for someone else to take on the debt for you, this guide will fill you in on the available options.
If the worst happens, it’s important to know how to manage any outstanding financial obligations you may take on from the deceased – read on to find out how to navigate this difficult time.
Find out what debt consolidation options are available to you if you have a bad credit history and are struggling to get credit to pay off your debts.
We discover if it’s beneficial to consolidate credit card debt and what other options are available to reduce your debt.
Find out what mortgage underwriters check when you apply, how to boost your chances of approval and what you should do if you have an outstanding loan.
Is a small business credit card something you've been considering? Read on to find out how many you can have at any one time
Whether you're an established business or just starting out, having a business credit card could offer some benefits. Find out whether a business credit card if right for you and how to get one.
Article written by Fiona Peake
7 min read
Unless you're own a large established business, the chances are you will need a personal guarantee in order to get a business credit card. Find out what this means and whether you will need one.
Find out how to apply for a business credit card if you have a new business. If you’re running a startup, sole trader or brand new company, follow our five steps to help you get approved for a business credit card..
Find out if being a sole trader or taking out a business credit card impacts your credit score. Plus how to apply for a business credit card of you're self-employed.
You don't need to own a car to insure it, and doing it this way could work out cheaper than buying a car yourself. Not all types of insurance will be right for this type of situation, so read on to find out which insurance cover you will need.
Wondering what insurers are basing their premiums on? Your car insurance claims history tells insurers everything they need to know – find out how you can check yours today.
How to set up credit card processing for a small business | Ocean Finance
If you share a house with other drivers and have multiple cars at your property, you could save money by taking out multicar insurance. Find out how this type of policy works and whether it could be right for you.