Find personal loans
from £1,000 to £15,000
- Instant online decision
- All credit histories welcome
- No upfront fees
Need a loan? Find personal and homeowner loans with Ocean Finance. We can find some of the best loans in the UK that can be used for almost any purpose and we may be able to help if you’ve got bad credit.
Apply for a loan that lets you replace all the existing monthly repayments you’re juggling with one easy-to-manage monthly payment.
Don’t let having a less-than-ideal credit score get you down. With our help, you can still find a loan that fits with your personal situation.
Unsecured loans: 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 9.8% APR and 99.9% APR. Repayment terms between 12 months and 5 years.
Homeowner loans are secured against your property. We are a broker and we arrange secured loans from a panel of lenders. We receive commission upon completion. Any quote is inclusive of the Broker Fee and all associated costs which is calculated as 12% of the net loan amount, capped at a maximum of £3,995. Loans are subject to status, and the rate you are offered may change based on your individual circumstances.
Let’s strip it right back to basics - a loan is a lump sum of money you borrow from a lender. You decide how much you need and along with your personal circumstances, that’ll dictate which type of loan you apply for.
Once you’ve set the loan amount, you agree with your lender how much you’re going to pay back each month, including interest, and over what period of time.
The process of getting a loan online will vary slightly from lender to lender, but with us it’s super straightforward and looks like this:
The amount we show you is just an estimate. To get a personalised quote, we’ll ask for a few more details.
Illustrative Rate 3.86%£0
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Representative Example: If you borrow £21,700 over 10 years, initially on a fixed rate for 5 years at 4.94% and for the remaining 5 years on the Lender's standard variable rate of 5.74%, you would make 60 monthly payments of £263.41 and 60 monthly payments of £268.56. The total amount of credit is £24,899 (this includes a Lender Fee of £595 and a Broker Fee of £2,604). The total repayable would be £32,013.20 (this includes a Lender Exit Fee of £95). The overall cost for comparison is 8.6% APRC representative. This means 51% or more of customers receive this rate or better.
Representative Example: If you borrow £1,500 over 24 months at an annual interest rate of 41.0% (fixed), Representative 49.7% APR (variable), you would pay £92.62 per month. The total amount repayable will be £2,222.88. We have arranged loans with rates from 9.8% to 99.9% APR which has allowed us to help customers with a range of credit profiles.
Representative Example: If you borrow £3,204 over 36 months at an annual interest rate of 51.8% (fixed), Representative 66% APR (variable), you would pay £176.89 per month. The total amount repayable will be £6,368.04. We have arranged loans with rates from 9.8% to 99.9% APR which has allowed us to help customers with a range of credit profiles.
Representative Example: If you borrow £5,000 over 36 months at an annual interest rate of 34.1% (fixed), Representative 39.9% APR (variable), you would pay £223.50 per month. The total amount repayable will be £8,046.00. We have arranged loans with rates from 9.8% to 99.9% APR which has allowed us to help customers with a range of credit profiles.
The amount we show is an estimate based on an Illustrative Rate excluding fees. You can choose to pay the Broker Fee separately or have it added to the total amount of credit, which would increase the amount of interest you pay overall. Arranged rates between 3.86% to 24.84% APRC. Repayment terms between 3 and 25 years.
With a guarantor loan, you’re bringing a third party into your loan agreement - someone who says they will pay your loan if you fail to.
Because the lender has the safety net of the guarantor, this type of loan can be useful for anyone with a history of poor money management which has stopped them accessing credit.
Your guarantor can be anyone with a good credit history who’s willing to help but not someone who’s financially linked to you (typically a spouse). Most lenders will require them to be a homeowner, but not all.