Get help from a UK loan company

If you’re looking for a loan to make a big purchase, to make some home improvements or perhaps you’re looking to consolidate your debts, we could help – our loans can be used for almost any purpose.

We offer two different types of loan:

Homeowner Loan

A homeowner, or secured loan, as they’re also known, are only available to people who own their own property. This is because the loan is secured against your home. So, if you fail to meet your repayments, it could be at risk.

Homeowner loans are usually for large amounts of money - £10,000 to £100,000 – and can be repaid over 3 to 25 years depending on your individual circumstances.

We arrange secured loans from a panel of lenders. We will receive a commission from the lender upon completion. A fee of 12.5% of the net loan amount, capped at £2975, is payable upon completion. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Personal loans

For a personal loan, or an unsecured loan as they’re also called, you don’t have to be a homeowner to be eligible, as it isn’t secured against your property.

They’re usually for smaller amounts of money compared to a homeowner loan - £100 to £10,000 - and they can be repaid 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.

What else do Ocean offer?


We could help you find a mortgage – tell us how much you need to borrow, and we’ll find you the best deals we can offer from our panel of lenders.

Even if you’ve got a bad credit history (such as missed payments in the past), we’ve access to a wide range of mortgage deals, so we’ll do everything we can to find you a deal.

Find out more about our mortgages

Credit card

The Ocean credit card comes with an easy to manage credit limit, and, if your credit rating isn’t 100%, it can help you rebuild it.

  • Up to £1,500 credit
  • No annual fees
  • May help boost your credit rating*
  • 39.9% APR Representative (variable)

*By meeting your minimum monthly repayments on time, and staying within your credit limit, you’ll be showing lenders that you can borrow money responsibly. This should be reflected in your credit score. Not doing so could harm it.

Find out more about the Ocean Credit Card

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