Skip main navigation

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

Find a loan from £100 to £5,000

  • Borrow over 3-36 months
  • Online decision
  • 9 out of 10 customers accepted by us
User slider to choose the loan amount you would like to borrow, loan is increased / decreased in increments of £100
For how many months would you like this loan?
Find a loan 68.7% APR Representative

Why choose us?

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

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

Representative Example: If you borrow £500 over 12 months at an annual interest rate of 53.58% (fixed), Representative 68.7% APR, you would pay £58.74 per month. The total amount repayable will be £704.88

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 a loan
  4. Get an instant decision

Experts in finding you the right loan

We’re an established loan broker with over 20 years’ experience helping people get the money they need to do the things they want.

And we can do the same for you. Even if you’ve got a less than perfect credit rating, we could help. We aim to find you a deal that’s the perfect fit for you and your circumstances.

Ocean Finance, 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.

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, 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 find 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.

68.7% APR Representative

Is a personal loan secured or unsecured?

A 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?

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

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 online?

Yes. At Ocean, we will 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, how long you’d like to make repayments for and what you plan to use the money for. We will then search our panel of lenders to find you a loan.

68.7% 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

Latest blogs

Based on reviews - customers who left an Ocean Finance review recommend us with an average rating of 4.7 out of 5 from 667 reviews left by Ocean Finance customers (as of July, 2017)