Business Details
35 Years
experience
Your Trusted Financial Partner in London
Established in 1991, Ocean Finance has built a reputation as a trusted credit broker specialising in connecting customers with tailored financial solutions. With over three decades of experience, we offer a comprehensive range of products including personal and secured loans, credit cards, mortgages, and car finance, serving over a million customers across the UK. Our team of qualified advisers works with a panel of lenders to find competitive rates suited to individual circumstances, prioritising transparency and accessibility. We hold the Feefo Platinum Trusted Service Award 2021 for our commitment to customer satisfaction and maintain authorisation from the Financial Conduct Authority (FCA registration number 310069). Through initiatives like supporting Jubilee Action's deaf centre in Rwanda and local charities such as Cash for Kids, we demonstrate our dedication to social responsibility.Our eligibility checkers allow customers to assess their chances of approval without impacting credit scores, while our 24/7 customer support ensures ongoing assistance. As a broker, we receive commissions from lenders upon successful introductions, with fees discussed upfront to maintain clarity. Our digital platforms, including mobile apps and online portals, streamline processes for instant decisions and secure document management. With headquarters in London and a nationwide service reach, we combine technological innovation with personal expertise to address diverse financial needs.
Services
Personal Loans
Secured Loans
Credit Cards
Car Finance
Mortgages
Debt Consolidation
Insurance Services
Homeowner Loans
Bad Credit Loans
Loan Comparisons
Details
- Year established: 1991
Highlights and features
- 30+ years of experience connecting customers with financial solutions
- Eligibility checkers that won't impact credit scores
- Panel of 100+ lenders offering competitive rates
- 24/7 customer support for ongoing assistance
- Feefo Platinum Trusted Service Award winner
Associations and certifications
- Financial Conduct Authority
What people say
Quick approval process
Helped with bad credit
Competitive rates
Excellent customer service
Transparent terms
Services
Personal Loans
Flexible borrowing options from 1,000 to 15,000 with fixed interest rates. Designed for individuals with varying credit histories, these loans offer repayment terms of 1-5 years. Customers benefit from instant online decisions without affecting credit scores during initial eligibility checks.
Secured Loans
Property-backed financing from 10,000 to 500,000 with terms up to 30 years. Ideal for those seeking larger sums at potentially lower rates. Funds can be used for home improvements, debt consolidation, or major purchases while maintaining competitive APRC rates.
Credit Cards
Credit-building solutions with limits from 200 to 8,000. Features include 0% balance transfer offers, no annual fees, and eligibility checks that won't impact credit scores. Designed to help customers establish or rebuild credit histories responsibly.
Car Finance
Used car financing from 3,000 with no-deposit options available. Offers competitive APR from 8.9% and flexible terms through partnerships with multiple lenders. Includes hire purchase and PCP agreements with streamlined application processes.
Debt Consolidation
Financial solutions that combine multiple debts into single monthly payments. Available through secured or unsecured loans, potentially reducing overall interest costs while simplifying repayment management for improved financial control.
Questions
Can I check eligibility without affecting my credit score?
Yes, our eligibility checkers perform soft searches that won't impact your credit score.
What loan amounts are available?
Personal loans from £1,000–£15,000 and secured loans from £10,000–£500,000.
Do you offer 0% interest credit cards?
Yes, selected cards offer 0% on balance transfers and purchases for 6 months.
Can I get finance with bad credit?
Yes, we work with lenders specialising in bad credit loans and secured options.
How quickly are funds released?
Secured loans typically fund within 2-3 days after offer acceptance.
Are there early repayment charges?
Some loans have early repayment fees – discuss options with your adviser.
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