Ocean Online Loans

We’ve helped thousands of people find a great deal on a loan, and we can do the same for you.

Whether you’re looking for a loan to do up your home, to finance a new car, to help fund a wedding, or for debt consolidation, we may be able to help.

We may even be able to help if your credit rating isn’t perfect, or if you’ve been rejected by other lenders in the past.

What types of loan are there?

We offer two different types of loan – homeowner and personal.

Homeowner loans

To take out a homeowner loan, you must own your own home, as it’ll be secured against it. that’s why they’re sometimes called a secured loan. They’re generally for larger amounts of money - £10,000 to £250,000 and are repayable over 3 to 30 years.

You can use our quick loan calculator to see what your estimated repayments will be. You can then do a SmartSearch online to find a loan you’re likely to be accepted for, without affecting your credit rating.

Please remember, because the loan is secured against your home, it could be at risk if you don’t meet your repayments.

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

Also known as an unsecured loan, they are usually for a smaller amount of money - £2,000 to £5,000. You can usually repay this over 2 to 4 years, depending on the amount you borrow.

You can apply for a personal loan online. Just tell us how much you want to borrow, for how long, and for what purpose, and we’ll give you an instant quote.

Unsecured loans : 44.9% APR Representative. Ocean is part of Intelligent Lending Limited. We are a broker for the Ocean personal loan. R Raphael & Sons Plc are the lender. We will not charge you for arranging your personal loan but, if your application completes, the lender will pay us for our services.