Rating based on 58 reviews

Ocean Finance


  • Bad credit loans up to £10,000
  • Low-interest starting from 39.9%
  • Repayment up to 5 years

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Ocean Finance homepage

Author Ocean Finance. Screenshot of Ocean Finance website. [Accessed September 7, 2021]

About Ocean Finance

Here at Ocean finance, we have partnered up with credibility to give you the best.

Unlike other banks, we believe your money should do the work for you. This is why we offer you the information, insight and help you need to get the most from your finances and to enjoy the world beyond your credit score.

Quick financial solutions

Ocean finance believes that you and everyone else deserve a brighter future. We have arranged finance solutions and made it our mission to take the hassle out of applying for a bad credit loan. We have helped customers getting the cash they need to do the things they want and more. You can now check your eligibility and it won’t affect your credit score that means you can see if your application would be accepted before applying. We have helped a lot of people and we can help you to.

Ocean Finance Services

We love helping out people and that is why we have a range of charities that we help from small ways to live changing projects.

We have made a commitment to the children and have raised the funds to build and run a deaf centre. If we can make such a difference in other people’s lives, why should we not do the same for you? We would like to allow you to get the help you need in all aspects of your financial fields.

Boost your credit score

Ocean finance can help you if you boost your credit score, help you out with personal loans, secured loans, homeowner loans, bad credit loans and we can even offer you debt consolidation loans. We designed this easy to use the platform just for you and if you still have questions you can contact us.

Ocean Finance – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 39.9%
  • Loan Amount up to £10,000
  • Repayment 3 months to 5 years

Benefits of Ocean Finance

  • Get a response within 60 seconds
  • Compare loans instantly
  • Instant online decisions
  • No fees

Bad credit loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Ocean Finance is your nuber one lender go-to lender for bad credit loans

Our services are professional and friendly. We know everyone has their troubled times and that is why we offer the help needed.

Knowing the different types of loans will give you an understanding of what type of loan will suit your needs. We made sure to have a variety of loan choices to cover all your possibilities.

Let us go back to the basics

A loan is a sum of money you borrow, you get to decide how much you need and with your personal information, it would dictate which type of loan you apply for. When you have set your amount and agreed with your lender how much you will be paying back every month with included interest over a set amount of months

Secured loans are also called homeowner loans

It secures against your property and for that reason, it is only available to people who own a home. The benefit from that is that you are more likely to get accepted with a patchy credit record because lenders know to fall back on the equity in your home if you fail to make the repayments.

Unsecured loans, on the other hand, are not tied to anything but you and that is the way it is known to be a personal loan. The amount that you can borrow is much less than with a secured loan but the risk on your home isn’t on the line. Lenders know that there is less at stake with you and that is why they run a more stringent credit check before approving your cash. This is why securing a personal loan could be harder to get especially if your credit score is not as good as you would like it to be.

Quick bad credit loans

Getting a loan with bad credit is a tough thing to get approved of, but you just need to find the right lender. There are lenders that specialize in finding loans for people with a bad credit record. Just keep in mind that because you are applying for a loan with not so high credit records, the lenders are likely to charge you with a higher interest rate than they would with a ‘normal’ loan.

There are so many more loans to have a look at. Be sure if you would like to know about all of our other loans to have a look at our online platform or contact us for any further inquiries.

Know that we will never keep you hanging

When applying for your Ocean finance card you will be sure to receive it within 7 to 10 working days.

If you haven’t heard from us or you have any other questions regarding our different loans and would like to learn more you can contact us during our working hours or visit our online platform.

We can provide you with an emergency hotline for stolen cards, you can give our partners a call. Or call our loans and insurance department. If you are in the neighbourhood you can come in and just say “Hi” we love to get to know our customers or if you are out of town and in need of some information you can send us an email.

Here at Ocean finance, we love to help people reach their dream, so let us help you to.

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Ocean Finance is a trusted & reliable provider of bad credit loans

In our review, Ocean Finance adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Ocean Finance is a registered credit provider in the UK; FCA number 310069

Customer Reviews & Testimonials

June 2019

This was the fastest and most helpful application I have ever done. The online platform lets you choose your amount you want to lend and over what time period. Then it lets you know how much rent...

Vincent R
— Melrose —

April 2019

Ocean finance is very convenient, you can do a credit check yourself beforehand to see if they are going to approve your application. They take your time in consideration and I can apply in the c...

Jacob L
— Irvine —

Ocean Finance Contact

Physical Address

  • Think Park, Mosley Road, Trafford Park Manchester M17 1FQ United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 20:00
  • Tuesday 09:00 – 20:00
  • Wednesday 09:00 – 20:00
  • Thursday 09:00 – 20:00
  • Friday 09:00 – 20:00
  • Saturday – Closed
  • Sunday – Closed