Ocean Online Loans

We’ve helped thousands of people find a great online loan deals, and we can do the same for you. In fact, when you apply for a loan online with us, you can be sure that we’ll help find you the most competitive interest rates for your circumstances.

Whether you’re looking for an online 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 assist you. We’ll help you find a loan online swiftly and smoothly, so that you can get on with whatever you need to do.

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, by finding you the best online loans for bad credit.

No matter what your needs, you can be sure that our expertise in finding loans online won’t let you down.

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 £100,000 and are repayable over 3 to 25 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.

Homeowner loans are secured against your property. We are a broker and we arrange secured loans from a panel of lenders. We receive commission upon completion. A fee of 10% of the net loan amount, set at a minimum of £995 and capped at a maximum of £3995 is payable upon completion and can be added to your loan. Loans are subject to status, the rate you are offered may change based on your individual circumstances.

Personal Loans

Also known as an unsecured loan, they are usually for a smaller amount of money - £100 to £10,000. You can usually repay this over 3 to 60 months, 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 find you a loan.

Unsecured loans: 49.9% APR Representative (variable). 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.

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

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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 moneyadviceservice.org.uk

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