Joining up was pretty straightforward with card arriving within days. Trying to include another cardholder was quite fretful, it would be very useful if there was dedicated tab for this. It took a lon... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
The process of being assessed & approved for an Ocean credit card was quick easy and efficient. Truly as I remember it took less than twenty minutes, my new card was reasonably quick to arrive. Again... See more
Company replied
It's doing very well my card has been very helpful this month I'll be paying it off then probably using it again. After next month I will try not to use it so much but it's there if I need it the only... See more
Company replied
Easy to apply, quick approval, sensible credit limits to begin with and very helpful for those with a not so good credit score. Great for bigger one off purchases. I used mine for a PlayStation 5 beca... See more
Company replied
Company details
Written by the company
Ocean Finance has been helping people with their finances for more than a quarter of a century. That means we’ve not only stood the test of time, but we’re experienced too! We’ll help you find the right product for your needs and situation – even if you have bad or adverse credit.
Ocean Finance
Written by the company
Contact info
Orange Tower, MediaCityUK, M50 2HF, Salford, United Kingdom
- 0161 672 7575
- contactus@ocean.co.uk
- oceanfinance.co.uk
4.5
Excellent
3K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 98% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
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every part of the application was quick…
every part of the application was quick and easy thankyou
I am very Happy with the service
I can not understand why at the top of my experience it says I am unhappy when I am very Happy
May 1, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
Great service all sorted very quickly…
Great service all sorted very quickly and easily
May 16, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
Truly amazing credit to up your credit…
Truly amazing credit to up your credit definitely helps and get to pay off balance as soon as one can
June 29, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
Satifactory customer experience.
June 19, 2026
Unprompted review
Reply from Ocean Finance
Thanks for the review. If you have any feedback or suggestions to make it a 5-star experience, please write to us at contactus@ocean.co.uk. We would love to hear from you!
The Ocean Customer Contact Team
Easy application
Easy application, found out in seconds, great little card for emergencies 😁
June 10, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
I would give 5 stars but you still do…
I would give 5 stars but you still do not spell my name correctly, even though I have rung up about it.
My name is Annette not Annettr!
June 23, 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review, although we're sorry to hear that your name was spelled incorrectly.
We would be happy to feed this back to the lender, Capital One, but would need some extra information from you first. Would you be able to send us an email at contactus@ocean.co.uk, so that we can locate the account and raise this with them?
Again, we apologise for your experience.
Sincerely,
The Ocean Customer Contact Team
It is easy.to use and is helpful when…
It is easy.to use and is helpful when you need it?
June 23, 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking your time to leave us a review! We are glad you are enjoying the service and will strive to continue to meet expectations.
The Ocean Customer Contact Team
Ease of use and payment way
June 19, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
Great company to work with
Great company to work with. During the application they kept me informed of my progress at every stage. I like the way I get texts every time I use my card, allowing me the chance to check my balance.
June 23, 2026
Unprompted review
Reply from Ocean Finance
This is great to hear, thank you so much!
The Ocean Customer Contact Team
Reply from Ocean Finance
Thank you for taking your time to leave us a review! We are glad you are enjoying the service and will strive to continue to meet expectations.
The Ocean Customer Contact Team
Reply from Ocean Finance
Thank you for taking your time to leave us a review! We are glad you are enjoying the service and will strive to continue to meet expectations.
The Ocean Customer Contact Team
Great company to get a credit card…
Great company to get a credit card with, easy to use app
June 23, 2026
Unprompted review
Reply from Ocean Finance
This is great to hear, thank you so much!
The Ocean Customer Contact Team
Good customer service
June 23, 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review. We really appreciate the positive feedback.
The Ocean Customer Contact Team
Easy to apply and great customer…
Easy to apply and great customer service, app is very user friendly with notifications to help you keep track of your spending.
June 17, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
I have ordered a credit care they send…
I have ordered a credit care they send me to my previous address when i call their helpline to get it resolved and send it my new address they asked me send proof of address by post i was like are u serious? Are we living in 1960? Why cant you verify my proof of address by email i can send you my proof of address by email. They didn't accept it . This card you cant add to wallet so every time you have to carry card with you i had same company credit card for 4 years and i hardly used full limit and my affordability was good still in 4 years not one time increase in credit limit. So very outdated card and poor service utterly disappointed
June 16, 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review, although we're sorry to hear about your recent experience.
We would be happy to feed this back to the lender, Capital One, but would need some extra information from you first. Would you be able to send us an email at contactus@ocean.co.uk, so that we can locate the account and raise this with them?
Again, we apologise for your experience.
Sincerely,
The Ocean Customer Contact Team
ocean
i really didnt think i would be accepted, but i was, it was so quick and easy to do online, i had my card within 3 days, easy to activate online, they send to you in advance when the statement is due, when the due date for payment is. Has taken a lot of pressure off of me.
Thank you
June 7, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
Helpful app and easy to keep track of…
Helpful app and easy to keep track of your account.
June 16, 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review. We really appreciate the positive feedback.
The Ocean Customer Contact Team
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
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