Personal loans

Start from

£2,000 - £5,000

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Homeowner loans

Start from

£10,000 - £150,000

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Ocean Online loans

Ocean has helped many thousands of people find the right loan deal, and can do the same for you. Whether you need 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.

Our online loan calculator is really simple to use – just pop in a few details, like how much you’d like to borrow and for how long, and we’ll give you an instant quote. It’ll tell you approximately how much you would repay each month, and if you see a loan that you like, you can then apply online.

What types of loan are there?

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

To take out a homeowner loan, you must own your own home as the loan will be secured against your property – that’s why they’re sometimes called secured loans. They’re generally for larger amounts of money – £10,000 to £150,000 and are repayable over 5 to 25 years. Because the loan is secured on your property, just like a mortgage, your home could be at risk if you are unable to keep up with your repayments.

Personal loans, or unsecured loans, are usually for smaller amounts – around £2,000 to £5,000. You can usually repay these over 2 to 4 years, depending on the amount you borrow.

Why Ocean?

We specialise in finding people the best deal on a loan. Even if your credit rating isn’t as good as it could be, we may still be able to help. We look at everyone who applies on a case by case basis, and if we can help, we will.

  • Quick and easy application
  • No up-front fees
  • We may be able to help if you’re self-employed
  • We may be able to help, even if you have a poor credit history
  • Getting a quote will not affect your credit rating

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Secured loans : Rates start from 7.3% APR. We also offer a range of products with rates up to 26% APR, which allows us to help people with a range of credit profiles. 15.3% APR typical variable.

Unsecured loans : 49.9% APR Representative

15.3% APR typical variable. 2 out of 3 customers will receive this rate or lower. Ocean Finance arranges secured loans from a panel of lenders. Ocean 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.

Unsecured loans 49.9% 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.

Based on Feefo.com reviews - 99% of customers who left an Ocean Finance review recommend us with an average rating of 4.9 out of 5 from 480 reviews left by Ocean Finance customers (as of Jan, 2016)