Loan Company

Here at Ocean, we have over 30 years’ experience in helping people find the right personal and homeowner loans. We can search our panel of lenders to find the most suitable deal for you.

  • Personal and homeowner loans
  • No upfront fees
  • We may be able to help if you have bad credit

Please note this calculator is a guide only. The actual rate offered will be based on your individual circumstances. The amount we show you is just an estimate. To get a personalised quote, we’ll ask for a few more details.

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. As a broker, we can search our panel of loan providers to find the best rates you're eligible for.

Homeowner loan

Homeowner loans (or secured loans as they’re also known), are only available to people who own their property. This is because the loan is secured against your home, which may be at risk if you fail to meet your repayments.

Homeowner loans are usually for large amounts of money - £10,000 to £500,000 - and can be repaid over 3 to 30 years depending on your individual circumstances. We can help you check your eligibility and find a loan from a trusted loan company.

Personal loan

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 - £1,000 to £15,000 - and they can be repaid over 1 to 5 years. We'll find you the best loan rate you're eligible for from our wide panel of UK lenders. Personal and homeowner loans are available.

Compare loans

Comparing loans won’t impact your credit score

What other products do we 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 and loan companies, so we’ll do everything we can to find you a deal.

More on 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)

Intelligent Lending Ltd (Credit Broker). Capital One is the exclusive lender

Our credit card

How could we help you?

Ocean has provided access to loans, credit cards and mortgages to people across the UK since 1991. In this time, we’ve pre-approved more than a million people, offering products and advice to suit their circumstances.

  • All credit histories considered

  • Check your eligibility without affecting your credit score

  • Save time finding the right loan deal

You can learn more about Ocean on our about us page.

Homeowner loans are secured against your property. This means your home may be at risk if you fall behind with your secured loan or mortgage repayments.

Remember, if you consolidate your existing borrowing, you may be extending the term and increasing the amount you repay in total.