Personal Loans £1,000 – £5,000

  • Quick and simple online application
  • Instant decision in all cases
  • Loans available over 1 to 4 years
Getting a quote won’t affect your credit score Feefo logo

Loan Calculator

Loan amount

£5,000 £3,000

Loan term

1 year
3 years 36 months

Your loan for £3,000

Monthly payment £155.82

Loan term 30 months

Representative APR 44.9% APR

Total amount payable £4,674.60

Subject to status, the rate we offer you will depend on your circumstances

Don't take our word for it

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Feefo reviews are gathered anonymously from genuine customers. Take a look at some of the comments from people Ocean have helped.

It was quick and easy. No fuss
Made it very easy to apply...good information given...received my pin and card within days...would highly recommend
Answered promptly and courteously
best servise ever
I am very impressed by the ease of use of your website application and the speed of your response. All information is clear and easy to understand. I would certainly recommend your service to others.

Get your loan in 3 easy steps:

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Ocean loan

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.

Common questions

Can I get an Ocean 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, because you’ll have a bad credit score.

But that’s not to say you won’t qualify for any personal loans: at Ocean, 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 get you the personal loan you want.

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

Is a personal loan secured or unsecured?

An Ocean personal loan is unsecured. This means that neither your home, car, jewellery nor any other valuables you own are 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?

You can with a loan through Ocean!

If you are 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 on my personal loan application?

Yes. At Ocean, we do our best to provide you with an instant decision when you apply to us for a personal loan.

You can apply online simply by telling us how much you’d like to borrow, how long you’d like to make repayments for and what you plan to use the money for. We will then provide you with a free quote.

If you like the sound of our quote and want to continue, you simply need to fill in your personal and bank details and answer a few questions about your financial situation. And that’s it – we will tell you quickly whether or not your application has been approved.

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

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Based on reviews - 99% of customers who left an Ocean Finance review recommend us with an average rating of 4.9 out of 5 from 553 reviews left by Ocean Finance customers (as of November, 2016)