Rating based on 26 reviews

Loans Bad Credit offered by Ocean Finance

image of Ocean Finance
image of Ocean Finance

About Ocean Finance

For 20 years we have helped people get the financing they need to achieve their goals and desired financial milestones.

We have become a preferred lender that has earned a reputable name in the finance industry.

Flexible lending criteria

Each loan application is unique, in that each financial requirement and situation is different.

And this should not stand in your way of applying for a loan. We don’t believe in ‘one size fits all’ products.

Even if your credit rating’s not 100% perfect, we are almost sure we will be able to assist you and get your loan approved. In fact, we have helped more than 250 000 people get the loan they wanted.

We also believe in giving a bit back

We are involved in charities ranging from the local to the international.

Jubilee Action - Rwanda
Raised the funds to build, staff and run a deaf centre and vocational training centre.

Cash for Kids
Cash for Kids aims to improve the quality of life, for disabled and disadvantaged children across the city of Manchester.

Comic Relief and 'Sports Relief'
Our services are rendered as a 'call centre' for both Comic Relief 'Red Nose Day' and 'Sports Relief' charity's fundraising events, with over 200 of the company's staff volunteering.

What Ocean Finance can offer you

We offer secured loans, which allow you to borrow from £10,000 to £250,000.

Our services involve comparing all your loan options to find you the best deal. And getting a quote won’t affect your credit rating in any way.

What is a secured loan?

Otherwise known as a homeowner loan, a secured loan is secured against your property. Secured loans from Ocean Finance are available from £10,000 to £250,000. The equity you have in your home will determine the amount you can borrow, for how long and the interest rate you’re offered.

Getting a secured loan with bad credit

Yes, a secured loan is an option for you if you have a bad credit history. In fact, you may easier be approved for a secured loan compared to other types of loans if your credit rating is less than desired. Why? Because the lender has security should you default on your loan repayments.

Improve your credit score

Staying loyal to your repayments could also help you to improve your credit rating over time.

Fast approval on loans

Get a fast response in 60 seconds.

Other services

Secured loans are not the only financial products and services that we offer. Our other expert lending services include personal loans, debt consolidation loans, homeowner loans and various mortgage options. Additionally, we offer insurance services, which include car insurance, life insurance and home insurance.

Loan Amount



Repayment Term

0 days

0 months

In a Nutshell

  •  Average processing time Same day
  •  Online application
  •  Secured loan option
  •  Bad credit consideration

At Ocean Finance, you can expect a decision on your loan within 60 seconds

Simply request a quote online and once we have all your particulars, we will search through our panel of expert lenders to ensure you find the loan that meets your exact requirements.

Check you're eligible before you apply

Before you apply for a loan, spend a few minutes to check you're eligible. It will not affect your credit rating and you get your quote in 60 seconds. Faster, more efficient lending services, such as ours, take years of experience and dedication to our customers.

How does a secured loan work?

Similar to other loan types, you will repay your lender in fixed monthly repayments. However, with a secured loan, your home is used as security against any default payments.

Will a secured loan damage my credit rating?

No, if you stick to your repayments each month, it could essentially help to improve your credit history.

Secured loan purposes

Our loans at Ocean Finance can be used for almost any purpose. Do you want to do some home improvements, to buy a new car, or to help pay school or university fees? We have the financing you require.

Why choose us?

Each application is reviewed on a case-by-case basis – even if you have bad credit, we are confident that we can get you the loan you need.

Benefits of Ocean loans

  • There are no up-front fees
  • Response within 60 seconds
  • Fast, efficient service
  • Expert financial experience
  • We consider loan applicants with a poor credit history
  • Improve your credit score
  • Loan options from a panel of expert lenders

Eligibility & Requirements

  •  18 years or older
  •  UK resident
  •  Earning a stable income
  •  Active email address
  •  Recent pay slips
  •  Proof of address

Other Products & Services

  • QUICK Loans
  • PERSONAL Loans
  • BAD Credit Loans

Customer Reviews & Testimonials

My loan was tailored to my needs and affordability, great value for money.

Kayleigh S
— Brighton —

The application went easy enough, however, waited longer than promised for approval and payout.

Angus T
— Peterborough —

 Find us here

Think Park, Mosley Road, Trafford Park, Stretford, Manchester
M17 1FQ

 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

 Get in contact

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