Ocean Credit Card Review | www.oceanfinance.co.uk

Ocean Credit CardOcean Finance was established in 1991 and is part of Intelligent Lending Ltd who operate from Manchester. This broker has primarily focussed on seeking homeowner leads through www.oceanfinance.co.uk over the years. There is also an unsecured solution and they have collectively served more than 250,000 people. This loan broker is recognisable across the industry, but more people are searching for the Ocean credit card in comparison to their company name that is rare to see. This would likely be due to the product’s inclusion on leading comparison sites. We have also noticed that it has its own TV ad running at the moment that will be boosting its profile.

To just cover some information on their loan products, the homeowner choice grants access to cash sums spanning between £10,000 and £150,000 with terms of 5 up to 25 years. The interest starts from 7.3% APR, although 15.3% is the common rate that they state most people will see. A panel of lenders are used for secure lending. Their personal loan hands you with between £2000 and £5000 on terms of 2 to 4 years. The interest this time around comes in at 49.9%. This is good pricing considering that bad credit is considered and you won’t need a guarantor. They have specifically teamed up with R Raphael & Sons here.

The Ocean credit card is issued by Capital One who have become the most active provider with affinity partnerships. The limit is set as high as £1500 and alike their issuer you pay 34.9% APR. Applications are securely processed through www.oceanfinance.co.uk and the login is taken at Capital One Online. Their contact times run between Monday and Thursday (9am/8pm) and Friday (9am/5.30pm). These times relate to their loans, with correspondence for cards running through their issuer. This product has been gathering impressive momentum and for popularity now sits just a little behind Very.co.uk who use the same issuer. Unlike Very, there is no bonus added to new customer accounts.

Ocean @ 34.9% APR
Sent to You: In around 7 to 10 working days.

Ocean Card