Personal and homeowner loans from Ocean Finance

Looking for a loan? At Ocean Finance, we could help you find the best loans for almost any purpose. Whether you’re looking to make a big purchase, need to make some home improvements, or even want to consolidate your debts, we could help.

We offer two different types of loan:

Personal Loans

Also called an unsecured loan, it isn’t secured against your property, so you don’t need to own your own home to apply for a loan.

  • Borrow £100 to £10,000
  • Available over 3 to 60 months

Unsecured loans: 49.9% APR Representative. Ocean, a trading style of Intelligent Lending limited. We are a broker, not a lender. To find you a loan, we work with a preferred lender panel as well as panels operated by other brokers. We will search the lenders in order of who offers the best representative APR, first from our preferred panel and then from the panels of other brokers.

Homeowner Loans

Also known as a secured loan, homeowner loans are secured against your property, so you’ll only be eligible if you own your own home or have a mortgage. You can get a loan if you own your own home, tailored to your needs.

  • Borrow £10,000 to £100,000
  • Available over 3 to 25 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. A fee of 10% of the net loan amount, set at a minimum of £995 and capped at a maximum of £3995 is payable upon completion and can be added to your loan. Loans are subject to status, the rate you are offered may change based on your individual circumstances.

Debt consolidation loans

If you’re repaying multiple existing debts each month, you could use a debt consolidation loan to make the payments more manageable.

By using a loan to consolidate your debts, you could:

  • Replace your multiple repayments with one easy-to-manage repayment each month
  • Reduce the amount you pay with some of our best loan deals
  • Free up money for other purposes

Get a quote for a debt consolidation loan today and use our loan repayment calculator to see what your monthly repayments could be.

Remember, as you’ll be repaying your debt over a longer period, you could increase the amount of interest to be paid overall when you get a loan for debt consolidation.

Try our loan calculator to see what your payments could be

The amount we show you is just an estimate. To get a personalised quote, we’ll ask for a few more details.

Sorry but we don't offer loans of more than £250,000

Estimated monthly payments:

Based on your loan request you could be suitable for an

Apply today

Representative Example If you borrow £25,515 over 10 years at an annual interest rate of 6.5% (variable) you would make 120 payments of £329.03 per month. The total amount of credit will be £28,985. The total amount repayable will be £39,483.60 (this includes an average Lender fee of £495 & Broker fee of £2,975). The overall cost for comparison is 9.9% APRC Representative. Subject to status, the actual rate will depend on your circumstances.

Warning: Late repayment can cause you serious money problems. For help, go to

Representative Example: If you borrow £1,800 over 24 months at an annual interest rate of 41.2% (fixed), Representative 49.9% APR, you would pay £111.28 per month. The total amount repayable will be £2670.72

Sorry, we don't offer loans for

We offer Ocean Personal Loans from £100 to £10,000 and Ocean Homeowner Loans from £10,000 to £100,000

Sorry we can't help with this loan amount / term

Ocean Personal Loans (£100 - £10,000) are available between 3-60 months only

Ocean Homeowner Loans (£10,000 - £100,000) are available between 3-25 years only