From home improvement to debt consolidation, it's hard to know where to begin when considering a loan. We investigated the ins and outs of loan types, eligibility, and common approval processes to make it easy for you to navigate your options. Find out all you need know in our loan guides.
When getting a loan, you might wonder if you should choose a fixed or variable interest rate. We discuss the key differences to help you make a decision.
Article written by Zubin Kavarana
5 min read
Read on to find out how you can transfer the balance of one loan to another, plus what to consider before you do.
Article written by Zubin Kavarana
5 min read
Find out the pros and cons of short-term and long-term loans, what they can be used for, and which type of loan is easier to get with bad credit.
Article written by Adele Kitchen
7 min read
Arranging a loan can vary in time, depending on a number of factors. Read on to find out what you can do to have as smooth an application as possible.
Article written by Zubin Kavarana
5 min read
Find out what personal loans can and can’t be used for, plus things to consider before you take out a loan.
Article written by Adele Kitchen
5 min read
Read our guide to explore some of the common loan types available. We highlight their key pros and cons so you can make informed financial decisions.
Article written by Zubin Kavarana
5 min read
If you’re considering taking out a loan, you may be unsure of how much to borrow. This guide explains what to think about when deciding on your loan amount.
Article written by Zubin Kavarana
4 min read
Are you unemployed but need to borrow? Learn how you can apply for a personal loan without a job in the comprehensive guide from Ocean Finance.
Article written by Adele Kitchen
5 min read
Follow our guide and learn how to find and apply for a loan, plus boost your chances of approval.
Article written by Adele Kitchen
5 min read
Do you have a loan that you want to get rid of? Find out if you can pay it off using a credit card, or what other methods are available.
Article written by Adele Kitchen
5 min read
Learn the differences between secured and unsecured loans, including benefits, risk, and key factors to help you choose the best option for your needs.
Article written by Adele Kitchen
5 min read
Follow these 7 steps to apply for a loan, and what to expect at each stage, to make it as smooth as possible.
Article written by Adele Kitchen
5 min read
It’s important to think about the responsibility a loan brings. We’ve put together some points to consider, so your decision can be made with confidence.
Article written by Zubin Kavarana
5 min read
Find out what pre-approval means and what you can do to boost your eligibility for a loan.
Article written by Adele Kitchen
5 min read
Find out what APR means, what factors impact it, plus how to get a good APR on a loan to cut the cost of borrowing.
Article written by Adele Kitchen
5 min read
How many personal loans is too many? Can you get multiple personal loans from the same lender? Find out your answers in the Ocean Finance guide.
Article written by Sarah Neate
3 min read
Your guarantor is less likely to be accepted if they have bad credit, but it's not the only criteria that lenders look at. Find out more here.
Article written by Adele Kitchen
4 min read
Find out the pros and cons of borrowing more on your existing loan and decide if it’s the best option for you. Learn more in our simple guide.
Article written by Adele Kitchen
3 min read
Do you need to top up your student loan for an unexpected bill? Find out if a student can get a personal loan plus how much you can apply for here.
Article written by Adele Kitchen
7 min read
Do you have a poor credit history but need to borrow? Discover more about the pros and cons of bad credit loans and learn how you can apply today.
Article written by Adele Kitchen
4 min read
If you need to borrow money quickly, you might be considering an overdraft or a loan. Find out which one is right for your circumstances here.
Article written by Adele Kitchen
5 min read
You can still borrow cash to improve your home's value - even with poor credit. Find out more about bad credit home improvement loans in our guide.
Article written by Jimmy Coultas
7 min read
If you can afford to pay off your debt faster, you could save on interest fees. Discover our top 10 tips for repaying your loan quickly here.
Article written by Adele Kitchen
7 min read
Thinking about borrowing money against your home? We compare secured loans and remortgaging to help you decide which is the right option.
Article written by Zubin Kavarana
9 min read
Lenders check your credit history when you apply for a homeowner or secured loan. Find out what they look for and what to do if you have bad credit here.
Article written by Adele Kitchen
5 min read
A secured loan is where you borrow money against an asset like your home. Learn how to apply for a secured loan with these 3 simple steps.
Article written by Zubin Kavarana
5 min read
If you default on your secured loan, your home could be repossessed. Find out what to do if you miss a payment in our comprehensive guide.
Article written by Zubin Kavarana
6 min read
If you need a temporary break from paying your loan, you can freeze it. Find out more about freezing your loan repayments and the effects in our guide.
Article written by Adele Kitchen
5 min read
Do you need to borrow but feel worried about the impact on your credit score? Find out how a secured loan can affect your credit score here.
Article written by Zubin Kavarana
5 min read
Need more time to pay your loan? Find out how to apply for a loan extension and benefits and disadvantages you need to consider first.
Article written by Jimmy Coultas
3 min read
Find out how taking out a homeowner loan can affect the rates you’ll receive on a new or additional mortgage with our guide.
Article written by Adele Kitchen
4 min read
If you’re worried that a bad credit rating is preventing you from being accepted for a secured loan, read on to learn what your options are.
Article written by Zubin Kavarana
5 min read
What exactly do lenders look for when you apply for a secured loan? Find out the criteria here in this simple guide from Ocean Finance.
Article written by Zubin Kavarana
6 min read
Sharing your mortgage with someone else doesn't mean you can't borrow money. Find out how to get a secured loan on a joint mortgage here.
Article written by Adele Kitchen
5 min read
Having a CCJ can seriously impact your chances of getting a loan, however it’s not impossible. We talk you through how a CCJ can affect your ability to borrow.
Article written by Adele Kitchen
4 min read
When you work for yourself, it can affect your ability to get accepted for some forms of credit. We've put together a handy guide to show you what lenders look for.
Article written by Adele Kitchen
4 min read
If you’re a homeowner, you can borrow money against your property. Find out the advantages and disadvantages of secured loans here to see if it’s right for you.
Article written by Zubin Kavarana
4 min read
Whether you’re starting a new job or planning to study further, there are various options available. We look at the different credit types available to graduates.
Article written by Alice Williams
7 min read
If you’ve taken out a loan that you’re struggling to repay and are wondering whether it’s possible for someone else to take on the debt for you, this guide will fill you in on the available options.
Article written by Adele Kitchen
6 min read
If you’re looking to apply for a personal loan but are concerned that you won’t be approved, this guide explains how a guarantor could help you access the funds you need.
Article written by Adele Kitchen
6 min read
If the worst happens, it’s important to know how to manage any outstanding financial obligations you may take on from the deceased – read on to find out how to navigate this difficult time.
Article written by Adele Kitchen
5 min read
If you’re unsure what to look for in a good interest rate on a personal loan – we’re here to help. Read on to find out what APR you should expect to see and how this can affect repayments.
Article written by Adele Kitchen
6 min read
If you’ve applied for a personal loan and your circumstances have changed, read on to find out more about cancellation terms and what options are available to you.
Article written by Adele Kitchen
5 min read
If you’re considering taking out a personal loan to finance the purchase of a property, read our guide to ensure you’re making the right decision and what alternatives are available to you.
Article written by Adele Kitchen
6 min read
If you’re thinking of applying for a personal loan to use for business purposes whether it be starting up or stocking up, read our advice to learn more about the best way forward.
Article written by Adele Kitchen
5 min read
Discover the pros and cons of consolidating debt, and what to consider before taking out a consolidation loan.
Article written by Verity Hogan
6 min read
If you’re looking to combine debts into one, we explain how you can go about this, plus find out your alternative options.
Article written by Verity Hogan
7 min read
If you’ve heard of a debt consolidation loan but don’t know what it is, don’t worry, we’ve got you covered. Read on to discover the difference between the two main types of debt consolidation loan, and what you can use them for.
Article written by Adele Kitchen
5 min read
Find out what debt consolidation options are available to you if you have a bad credit history and are struggling to get credit to pay off your debts.
Article written by Verity Hogan
7 min read
Our guide looks at whether consolidating debt could change your mortgage eligibility.
Article written by Verity Hogan
6 min read
Our guide looks at whether you can get a debt consolidation loan without collateral and the pros and cons of secured and unsecured finance.
Article written by Verity Hogan
6 min read
Find out the five steps to getting a debt consolidation loan and weigh up the pros and cons before you apply.
Article written by Verity Hogan
6 min read
Find out why you may have been refused a debt consolidation loan and discover ways to improve your eligibility.
Article written by Verity Hogan
7 min read
Find out how payday loan consolidation works, and what to consider before deciding whether to go ahead.
Article written by Verity Hogan
6 min read
We discover if it’s beneficial to consolidate credit card debt and what other options are available to reduce your debt.
Article written by Adele Kitchen
6 min read
Are you unsure what the difference is between debt consolidation and debt management? We discover the pros and cons of each to help you decide which is the best option.
Article written by Adele Kitchen
5 min read
A debt consolidation loan can either help or hurt your credit score. Discover what factors can contribute to these different outcomes.
Article written by Verity Hogan
6 min read
Thinking about consolidating your debts, but you want to know more? Read on for answers to common questions.
Article written by Adele Kitchen
5 min read
Looking to consolidate your debt and want to know what types of debt can be included? Discover whether there are any exceptions.
Article written by Adele Kitchen
6 min read
Wondering how the world of debt consolidation works? Find out the important bits you need to know.
Article written by Adele Kitchen
5 min read
Discover if you could be eligible for a debt consolidation mortgage, and the pros and cons involved.
Article written by Verity Hogan
5 min read
Our guide looks at how consolidating debt could affect buying a car and your car finance eligibility.
Article written by Verity Hogan
6 min read
Find out what steps you need to take to get a loan if you have no credit history and discover what options are available to you.
Article written by Adele Kitchen
6 min read
Do you have bad credit and no guarantor? Find out what types of loans are available to you and how you can improve your eligibility.
Article written by Adele Kitchen
5 min read
Find out what a guarantor is and how it could help you to get a loan with bad credit.
Article written by Adele Kitchen
5 min read
Find out how long it takes to get a personal loan, from the point of application through to receiving the funds in your bank account.
Article written by Adele Kitchen
5 min read
Find out if you can apply for a joint loan online as well as the pros and cons of having joint finances, to help you decide if it’s the right choice for you.
Article written by Adele Kitchen
5 min read
Find out if you can get a personal loan if you’re retired and what alternative options are available.
Article written by Adele Kitchen
7 min read
Find out whether getting a personal loan for home improvements is the right choice for you, or whether you should consider a different option.
Article written by Adele Kitchen
6 min read
If you’re thinking about taking out a joint loan with somebody else, read our guide first to make sure you’ve covered all bases.
Article written by Adele Kitchen
5 min read
Find out how long you could take out a personal loan for, and what factors you need to consider before you agree on a loan term.
Article written by Alice Williams
6 min read
Find out how you can calculate the amount of interest you’ll be charged on a loan, to help you choose the best deal.
Article written by Adele Kitchen
6 min read
Find out what lenders look for when you apply for a homeowner loan, and the different types of homeowner loan available.
Article written by Adele Kitchen
6 min read
Find out what lenders look for when you apply for a homeowner loan, and if it’s possible to get approved with a bad credit history.
Article written by Adele Kitchen
7 min read
Find out what to do if you’re loan application has been declined, and how to improve your credit score for next time.
Article written by Adele Kitchen
6 min read
Find out how to borrow money for your home improvements, whether you’re a tenant, or a homeowner with no equity.
Article written by Adele Kitchen
6 min read
Find out what the pros and cons of home improvement loans versus remortgaging are, to help you decide which is the best option.
Article written by Adele Kitchen
5 min read
Find out if it’s possible to get a secured loan written off, and what to do if you’re struggling to pay your priority debts.
Article written by Adele Kitchen
5 min read
Find out the pros and cons of using a personal loan to buy a car, and how this compares to taking out car finance.
Article written by Adele Kitchen
5 min read
Find out if you should get a debt consolidation loan, and if so, what type of loan would suit you best. Plus, discover how to get approved for a loan and what the alternatives are.
Article written by Adele Kitchen
6 min read
Find out if you can borrow money against your car, how it works and whether or not it's a good idea.
Article written by Zubin Kavarana
7 min read
Discover how secured loans work, how they differ from unsecured loans, what you can use them for and how lenders decide whether to accept your loan application.
Article written by Zubin Kavarana
7 min read
Discover what you need to be eligible for a secured loan, and what your finance options are if you have no mortgage.
Article written by Zubin Kavarana
7 min read
Find out what a secured loan is and how it’s different to a personal loan, with some useful examples.
Article written by Adele Kitchen
5 min read
Find out the difference between a first and second charge mortgage and how many secured loans you can have on a single property.
Article written by Zubin Kavarana
6 min read
Your essential guide explaining how soon you can expect your homeowner loan to be approved and enter your bank account.
Article written by Adele Kitchen
6 min read
Find out what information and criteria you need to provide lenders in order to get a homeowner loan.
Article written by Adele Kitchen
7 min read
Find out if it's possible to sell your house if you have a secured loan attached to it.
Article written by Zubin Kavarana
7 min read
Thinking about getting a loan? Read the advantages and disadvantages in the handy guide from Ocean Finance and see if it’s right for your circumstances.
Article written by Jimmy Coultas
5 min read
Even if you have bad credit, there are still steps you can take to consolidate your debts. Learn how in the easy guide from Ocean Finance.
Article written by Sarah Neate
6 min read
If you don’t need to borrow much, bad credit doesn't have to get in the way of a personal loan. Find out more in the Ocean Finance guide.
Article written by Sarah Neate
4 min read
Don’t let a bad credit history get in the way of borrowing. See which types of loan you can get with poor credit in the Ocean Finance guide.
Article written by Jimmy Coultas
5 min read
If you don’t keep up with loan repayments it can have a severe impact. Here’s why you should keep up with your payments
Article written by Jimmy Coultas
12 min read
If you think you’re going to miss a loan repayment, don’t ignore the problem. Read our guide on what to do if you can’t afford your loan.
Article written by Sarah Neate
6 min read
If you're receiving benefits because you have health conditions, a disability, are unemployed or for any other reason, find out how you can get a loan in the Ocean Finance guide.
Article written by Adele Kitchen
7 min read
Wondering how bankruptcy will affect your ability to get a loan? Read our guide to find out if it's a possibility and what you need to do.
Article written by Adele Kitchen
5 min read
Our guide looks at medical bill consolidation, the options available, and things to consider before applying for a loan.
Article written by Verity Hogan
5 min read
Our guide looks at the government debt consolidation advice and programmes available.
Article written by Verity Hogan
7 min read
Find out if you can get a debt consolidation loan with a high debt-to-income ratio, and the steps you can take to improve your eligibility.
Article written by Verity Hogan
5 min read
Explore the benefits and considerations of paying off loans early, allowing you to make informed financial decisions and possibly save money.
Article written by Zubin Kavarana
6 min read
Find out how important your credit score is when applying for a personal loan, and ways you can improve your eligibility.
Article written by Zubin Kavarana
6 min read
We explain what persistent debt is, why letters about it are sent, its consequences, and how to get out of it.
Article written by Helen Fox
6 min read
If you're struggling financially, it can be hard to know where to turn for help. We explore the different types of help available to you.
Article written by Helen Fox
6 min read
Discover ways to get lower loan rates, and what else to look out for when comparing loans.
Article written by Adele Kitchen
4 min read
If you’ve just moved to you UK and are planning to apply for a loan, read our handy guide to find out how to go about it and what you’ll need to know.
Article written by Zubin Kavarana
5 min read