Rating based on 36 reviews

Ocean Finance


  • Loans bad credit up to £100,000
  • Low-interest starting from 2.3%
  • Repayment up to 25 years

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Author Ocean Finance. Screenshot of Ocean Finance website. [Accessed September 4, 2019]

About Ocean Finance

Ocean Finance is a trusted loan broker and has assisted over 250 000 clients in getting the loan that will suit their needs.

Whether you want to go on that long overdue vacation, retile the bathroom or help your daughter plan her wedding, Ocean Finance can help you out.

Have an open mind to bad credit loans

Ocean Finance wants to help make your dreams become a reality despite your circumstances which is why we are a broker for both good and bad credit. When applying for a loan with a poor credit history there are a few things that you should understand.Bad credit loans come with higher interest rates.

Keep up with your payments

If you do fail to keep up with monthly repayments then this can affect your credit record negatively making it more difficult to obtain a loan in the future. Ensure to determine what the repayments of a loan would be before signing for it to ensure that you will be able to keep up with the repayments.

Ocean Finance Services

With Ocean Finance we welcome all credit histories for both homeowner and personal loans with no hidden fees.

At Ocean Finance we realise that each case is unique and requires a unique solution which is why we will search for a deal until we find one that fits you perfectly.

Bad credit, no problem!

Here at Ocean Finance, since we have access to a variety of lenders, we can be as flexible as you need us to be with loan amounts and repayments. You know what you want and we can help you get that!

We have a variety of loan options

Ocean Finance specializes in helping borrowers with poor credit history obtain the loans that they deserve. We can assist you to get personal loans for amounts ranging from £100 to £10 000 with repayments spreading from three to sixty months. We can provide you with access to a variety of personal loans and secured loans.

Ocean Finance Product Details

  • Loan Type Loans bad credit
  • Interest Rate 2.3 – 27% p/a
  • Loan Amount up to £100,000
  • Repayment 3 years to 25 years

Summary of Services

  • Simple to apply
  • Loan comparison
  • Use the loan for any purpose

At Ocean Finance we pride ourselves on our ability to place the client first.

We are able to assist the client in searching for the best deals on a variety of platforms such as personal loans, mortgages, insurance, and credit cards.

No problem is too big for Ocean Finance. Sometimes we all need a helping hand and Ocean Finance is here to give you the break that you deserve. So sit back and allow us to do the searching.

Quick answers for faster decisions

Making the right decision when choosing a loan is difficult which is why Ocean Finance is here to help. Simply complete our online application stating how much you would like to borrow, the loan period that would best suit you and what you need the loan for.

From there, we will use our nifty tools to search our panel of lenders for the best suitor for your loan needs. You can also use the eligibility checker on the website to see in seconds whether or not you could be pre-approved for a loan!

Credit cards for bad debt

Bad credit credit cards are credit cards for individuals with a bad credit record. This is a good way to improve your credit score to borrow more easily in the future. Although these credit cards may have lower spending rates or higher interest rates than other competitive credit cards available, it can assist you to reach a better financial position.

The benefits of bad credit loans are that you are able to improve your credit score should you meet all the monthly repayments which can assist you to obtain better personal loans in the future.

The guarantor loan

A guarantor loan is a type of bad credit loan in which you are able to get a loan if someone else signs to take responsibility for repayments should you find yourself unable to meet them.

Instant secured loans

A secured loan is similar in that you put up a form of collateral, such as your home so that if you are unable to pay your loan the lender has access to your home as security. As a borrower with bad credit, the lender needs a form of security when granting you access to an instant loan. This can be in the form of either a guarantor or collateral.

Drowning in debt? We can help!

If you find yourself with multiple outstanding debts, it might be time to consider a debt consolidation loan. This will assist you to put all your debts in one place meaning you only have one monthly repayment and interest is only accrued on one amount instead of multiple which will save you money in the long run.

Customer Reviews & Testimonials

April 2019

The turnaround time was very fast. I was impressed

Tyler H
— London —

July 2019

I applied for the instant cash loan. I was very surprised when I receive the money in 15 minutes though my credit score was low

Daniel P
— Dundee —

May 2019

Their service was excellent

Joseph G
— York —

Ocean Finance Contact Details

Physical Address

  • Ocean Finance, Think Park, Trafford Park, Mosley Rd Manchester M17 1FQ United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed