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Warning: Late repayment can cause you serious money problems. For help, go to

Find personal loans in the UK from £100 to £10,000

  • Won’t affect your credit rating
  • 7 out of 10 customers pre-approved
  • Real-time online response

Personal Loans Eligibility Checker

Personal Loan Eligibility Checker Icon Our brand new eligibility checker for Personal Loans tells you in seconds your chances of being pre-approved, without impacting your credit rating.

Representative 49.9% APR

Don’t worry, it won’t affect your credit rating

Representative (variable)
49.9% APR

Why choose us?

  • All credit histories welcome
  • Instant online decision
  • We don’t charge any fees
  • Big panel of lenders
  • We won’t call you

Warning: Late repayment can cause you serious money problems. For help, go to

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

How it works

  1. Tell us how much you want to borrow and for how long
  2. Complete our simple application form
  3. We’ll search a panel of lenders to find you the best loan
  4. Get an instant decision

Experts in finding you the right loan

With over 20 years' experience, we're an established and trusted loan broker – helping people get the money they need with some of the best personal loans, so they can do the things they want. From cheap personal loans to personal loans for bad credit, we’ve got you covered.

As a personal loan broker for bad credit and good credit, we aim to find you a deal that's the right fit for your circumstances.

What is a personal loan?

A personal loan is a type of credit that makes a one-off payment of cash into your account. You then make a single fixed repayment each month, with interest, for the lifetime of the loan to pay it back.

At Ocean Finance, we search some of the best personal loans in the UK and can find you one between £100 and £10,000. You can then spread repayments over 3 to 60 months. Use our personal loan calculator to work out what your repayments will be.

Personal loans are unsecured. This means you don’t need to provide us with something you own, like your home, as security.

But because the lender doesn’t have this added security, the amount you can borrow is less with a personal loan than with, say, a homeowner loan that’s secured to your property. The interest rate is also likely to be higher. At Ocean Finance, we can find cheap personal loans for UK borrowers – providing an affordable lending experience.

Benefits of personal loans

  • Personal loans may allow you to borrow more than you could with a credit card
  • With a personal loan, you agree how much you'll pay each month towards your loan. Your repayments are fixed – as is the interest rate – which makes budgeting straightforward
  • A personal loan is unsecured, so your home is not at risk
  • Personal loans for bad credit can help get your finances back on track if you make payments on time. But remember failure to do so could harm it further.

Things to consider

  • We’ll look at your credit history when you apply for a personal loan. As a personal loan broker for bad credit, we specialise in helping borrowers with imperfect credit scores. But you should be aware that if you’ve struggled with credit in the past, you may not get the cheap personal loans or interest rate you want
  • Personal loans tend to come with a higher interest rate than secured loans
  • If you don’t keep up with your personal loan repayments, it'll affect your credit history. This will make it harder and more expensive for you to borrow in the future. Use our personal loan calculator to see what your minimum payments are and whether you’ll be able to meet the repayments
  • 49.9% APR Representative

Common Questions

Can I get a personal loan if I have a bad credit history?

If you have struggled to keep up with credit card or loan repayments in the past, you may find that you don’t qualify for some of the best personal loan deals that you see advertised. This is because you’ll have a bad credit score.

But that’s not to say you won’t qualify for any personal loans. At Ocean Finance, we specialise in helping borrowers who don’t have the best credit history or who have not had chance to build much of a credit score. If you’ve been turned down by a high-street lender, we may still be able to find you the personal loan you want.

Just bare in mind you may have to pay more interest or borrow less if you have a history of bad credit.

49.9% APR Representative

Is a personal loan secured or unsecured?

A personal loan is unsecured. This means that your home, car, jewellery or any other valuables you own won't be used as security on the loan.

This can make personal loans a less risky form of borrowing than some other options. If you start to miss your repayments, your home will not be at risk. However, missing payments will negatively affect your credit rating.

Can I pay my personal loan off early?

This depends on the lender. Some lenders allow you to pay it off early without any early repayment charges.

If you're able to make overpayments – perhaps because you’ve had a pay rise or received some extra cash – you can clear your balance early.

Will I get an instant decision online?

Yes. At Ocean Finance, we'll provide you with an instant decision if we find you a lender.

Fill in our online form and simply tell us how much you’d like to borrow, over how long and what you plan to use the money for. We will then search our panel of lenders to find you a personal loan.

49.9% APR Representative

What can I use my personal loan for?

You can spend the money from a personal loan on almost anything.

Popular options include:

  • Debt consolidation
  • Home improvements
  • A new car
  • A wedding

Do you offer no-guarantor personal loans?

A no-guarantor loan is a type of borrowing that does not require a third party to back your loan application and payments – making them easier to secure.

However, guarantor loans can be helpful if you have a bad credit history. They give the lender extra security if you’re unable to pay your loan, which means you’re more likely to be accepted for one.

You’ll be pleased to know we offer both guarantor and no-guarantor loans ranging from £100-£10,000. So no matter what your circumstances, you’ll find the right loan for you at Ocean Finance.

What other types of loans do you offer?