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.

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 £25,000 over 10 years at an annual interest rate of 9.4% (variable) you would make 120 payments of £366.22 per month. The total amount repayable will be £43,946 (This includes an average Lender fee of £495 & Broker fee of £2,975). The overall cost for comparison is 13.3% APR Representative.
Subject to status, the rate we offer you will depend on your circumstances.

Representative Example
If you borrow £3,000 over 36 months at an annual interest rate of 37.7% (fixed), Representative 44.9% APR, you would pay £140.27 per month. The total amount repayable will be £5049.72.

Sorry, we don't offer loans for

We offer Ocean Personal Loans from £2,000 to £5,000 and Ocean Homeowner Loans from £10,000 to £250,000

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

Ocean Personal Loans (£2,000 - £5,000) are available between 2-4 years only

Ocean Homeowner Loans (£10,000 - £250,000) are available between 3-30 years only