Personal loans

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£2,000 - £5,000

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Homeowner loans

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£10,000 - £150,000

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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

Don't let bad credit stop you getting a loan!

Getting a loan is harder than it used to be, but that doesn't mean you can't get one. At Ocean Finance, we specialise in finding loans for poor credit scores.

Once you have your loan, paying it back on time can help you rebuild your credit score. So why not get in touch and let us help you find a deal?

Loans for debt consolidation

As long as your finances are in good shape now, a debt consolidation loan could help you get more control over your money. By using your new loan to pay off several other debts, you'll be left with just one monthly payment. It can even help you reduce the amount you pay each month, if you choose to repay the new loan over a longer period of time.

We even offer loans for debt consolidation for people with bad credit - so if you're worried that your problems with money in the past could hold you back, get in touch and see how we can help.

Let us help you find a loan

Ocean Finance helps thousands of people every year to achieve their goals. Even in this difficult climate, we could still find you the right loan deal.

There are a whole host of things that could adversely affect your credit rating and damage your ability to get a loan in the future. Provided you are now in a position to afford such credit, a poor credit loan could actually help you repair your financial record over time.

In the current financial climate, you could easily miss payments through losing your job or prices going up, whilst the possibility of just missing the odd credit bill payment always looms over anyone who chooses to make purchases on their plastic.

You should however avoid taking out loans should you be unfortunate enough to become unemployed and contact your existing creditors for help instead. Only borrow money if you are 100% sure you can afford the repayments.

Even people who don't borrow in order to spend can see their credit ratings damaged – they may forget to settle a utility bill or leave a parking fine unpaid.

Then there are people who have been served with County Court Judgements (CCJs), those who have defaulted on mortgage payments and people who have emerged from bankruptcy.

All these things can make it more difficult to get a loan - but there are lenders on Ocean's panel who will consider your application regardless of your problems in the past.

We make finding the right loan simple

Poor credit loans are available from between £10,000 and £150,000 for people with various credit ratings, and are available for terms from five to 25 years.

To get started, just fill in the simple form on our website which tells us about your situation. One of our loan consultants will get in touch to provide a no-obligation quote from our panel of lenders.

The next stage of the process is for you to tell us whether you're happy with the loan we've offered you. If you are, all you need to do is sign the papers and return them freepost back to us.

The final part will see our staff efficiently process your application and arrange for the lender to release the funds to you.

The money from a poor credit loan can be used for many things. For example, you may have built up a number of debts that you'd like to replace with one manageable monthly payment. Or perhaps you'd just like to treat yourself to a new car, holiday or home improvements once you're in a stronger financial position.

Why Ocean Finance?

Well, you wouldn't be on your own, that's for sure – thousands of people come to us to discuss their finance needs and they really appreciate our no pressure, no-obligation approach.

Ocean gives you access to thousands of loan products, including a wide range of poor credit loans - so we can help people who have a variety of different circumstances.

So whether you need poor credit loans or some other kind of borrowing, get in contact with Ocean Finance today.

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 reviews - 99% of customers who left an Ocean Finance review recommend us with an average rating of 4.9 out of 5 from 460 reviews left by Ocean Finance customers (as of Sep, 2015)