We've been arranging finance solutions since 1991 and it's our mission to take the hassle out of applying for credit. Take a look at genuine reviews from our happy customers who we've helped get accepted for an Ocean credit card, loan or mortgage. Find out your chances of being pre-approved for a loan of up to 15k with no impact on your credit score.

Intelligent Lending Ltd is a credit broker working with a panel of lenders to find you a loan. The APR you are offered will depend on your individual circumstances.

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Credit Cards Report

We use QuickCheck to determine your eligibility. The best part? You're the only one who can see this on your credit report, so it doesn't affect your credit score one bit. If the answer is a yes, then you can apply knowing you've got a higher chance of being accepted, subject to further lender fraud and identity checks.

Cards for Bad Credit Report

Even if you have less-than-perfect credit, you may still be eligible for an Ocean Credit Card. Check your eligibility now with no hard credit check. A bad credit credit card is designed for those with a less-than-perfect credit score due to a damaged or thin credit history. It can help you access funds - and improve your credit score over time if you stay within your credit limit and always make your repayments on time.

Student Cards Report

Taking out your first (student) credit card is an important step that, if used correctly, can help you build up a positive credit history and set you up for a variety of life stages - like applying for your first mortgage. Many student accounts do come with an overdraft, which may be low cost or interest-free for the duration of your time at university, and your bank may also offer you a credit card - but you could choose to shop around instead.

Credit Builder Card Report

This is a type of credit card aimed at people with poor or thin credit, or for those who have been refused credit in the past. They tend to have lower, more manageable limits - but also often have a higher interest rate than most mainstream credit cards. These cards can help you build (or rebuild) your credit score by showing you can borrow responsibly.

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