Get a secured loan with Ocean

We’ve helped hundreds of thousands of people find the right loan deal over the last 20 years, and we could do the same for you. Use our quick loan calculator to find out what your monthly payments will approximately be before you apply.

You can then use SmartSearch to see if you’re likely to be accepted or not, without affecting your credit rating.

What is a secured loan?

Also known as a homeowner loan, a secured loan is secured against your property, so they’re only available to people who own their own home.

Secured loans from Ocean range from £10,000 to £250,000. The amount you can borrow, for how long and the interest rate you’re offered will depend on the amount of equity you have in your home, as well as your personal circumstances.

Can I get a secured loan if I have bad credit?

Yes, a secured loan could be an option for you if you’ve got a poor credit history. A secured loan may even be easier to obtain than other types of loan if your credit rating isn’t perfect. That’s because the lender has the extra security of the loan being secured against your home. This means you’ll be seen as less of a risk to lend to.

Keeping up with your repayments could also help you to improve your credit rating over time.

Use our SmartSearch to see if you’ll be accepted before you apply today.

Get a quote

We arrange secured loans from a panel of lenders. We 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.