Find personal loans
from £100 to £10,000
- Instant online decision
- All credit histories welcome
- No upfront fees
49.9% APR Representative (variable)
Tell us how much you want to borrow, and we’ll show you an example of what your monthly repayments might be with our handy loan calculator.
At Ocean, we offer personal and homeowner loans for almost any purpose. See what we can do for you today.
49.9% APR Representative (variable)
A homeowner loan, also called a secured loan, is secured against your property, so you have to own your own home to be eligible to take one out. They range from £10,000 to £100,000 and you can repay them over 3 to 25 years. As they are secured against your home, it could be at risk if you fail to meet your monthly repayments. Take a look at our homeowner loan calculator to get an estimate of monthly repayment amounts.
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.
With a personal loan, anyone can apply as no security is needed. They’re usually for smaller amounts than homeowner loans – from £100 to £10,000 and can be repaid over 3 to 60 months, depending on how much you borrow. Be sure to use our personal loan calculator to see how much repayments may be.
Unsecured loans: 49.9% APR Representative (variable). 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.
We help people find loans for lots of different things. Perhaps you want to build a conservatory on your home, or want to buy a new car, a loan can be used for almost any purpose. You could also take a loan out to consolidate your current debts, leaving you with just one affordable repayment each month instead of lots of smaller ones.
Yes, you can. If you have a poor credit rating due to missed payments in the past, CCJs, or any other reasons, it can make it more difficult to find a good deal on a loan, but that doesn’t mean it’s impossible.
We can find loans designed for people with bad credit ratings. We look at each application individually and we’ll do our best to find you a loan at a great rate.
However, the loan may carry a higher interest rate compared to a loan for someone with a perfect credit history. Remember to use our loan repayment calculator to get an idea of how much repayments may be.
APR stands for ‘annual percentage rate’ and it shows you how much your borrowing will cost you over an average year, over the term of your borrowing.
It should make it easier for you to compare different loans against each other, as it includes the interests, charges and any other fees involved.
To be eligible for a homeowner loan, you must own your own property or have a mortgage.
They’re usually for large amounts of money (£10,000 to £100,000) and can be repaid over 3 to 25 years. Our homeowner loan calculator should help you decide whether this loan is right for you.
Personal loans are usually for smaller amounts compared to homeowner loans (£100 to £10,000) and need to be repaid over a shorter term – 3 to 60 months. You don’t need to own your own home to be eligible to apply either, as they’re not secured against anything.
If you own your property, you may be more likely to be accepted for a homeowner loan, especially if your credit rating isn’t perfect. This is because homeowner loans offer lenders more security as it’s secured against your home.
Please remember that your home could be at risk if you don’t meet your monthly repayments. Again, our personal loan calculator will help you decide if this loan is right for you by giving you a general idea of what repayments may look like.
There are many reasons to choose Ocean Finance: