Ocean Finance Reviews 

Good company to be with, everything is explained and all information is clear and easy to understand

Great service and really easy application with a quick response without affecting your credit score

Until now I did not receive my physical card nor any letter from you. I am a bot worried now that it will be used by anybody without my knowledge and i will be paying for anything I did not use. You send the email on May 22,2026 that the card is on its way but still it hasn’t arrived.

Great experience helpful live chat and basic to understand

Application process is quick and simple no issues or glitches, all relevant information is supplied before accepting and no hidden details.

I still haven’t received my card
The customer care agent was extremely rude on the phone

Fast and reliable. Would recommend over and over again.

It's a nice little brand ocean and I'm very happy with that app that holds all my capital one credit cards and supplies all the information on my app thankyou capital one

Easy to apply quick decision

The website is easy to use. Liked the direct communication and the quickness of the service.

I love my ocean card. Its helped me breathe a bit thru troubled times and ive been able to pay off extra money too :)

Just thought why not try to build my credit rating a bit more and apply with Ocean Finance ! But I got it ! Wow so easy to apply , get answer very fast and now I’m on the road to build a better credit rating ! Thank you for the chance Ocean Finance! You made it so easy !!

I’m not sure where to start.
The staff were supportive. Seemed to be understanding of our situation. We approached ocean following an ‘approved’ email for secured loan. In retrospect there were some aspects of the experience that I feel so disappointed with.

The lender:
When I approached ocean they did a search of the lenders on their panel and highlighted Step One Finance Uk. Initially I wasn’t aware of the lender. When I found out I search lenders and found some bad reviews and instantly panicked. I raised concern early on. On my clear score the lender in question only offered a 9/10 chance of acceptance. Later in the process (a couple of days before the decline) I found out that they were the only company willing to lend. Ultimately this confirmed my initial concern that this was a futile process.

Putting the debt together
We have a lot of debt and trying to collate this together was an exhaustive process. I have autism spectrum disorder so it was so easy to miss things. On one occasion a loan was filed as a joint loan. It wasn’t a joint loan but then another loan was actually missed that really impacted affordability. We essentially had more debt that was originally realised. We also had additional income that the lender refused to accept.

Bank statements:
When analysing bank statements 3 months worth of bank statements were used to assess outgoings. The bank statements used were not completely reflective of how we live our lives. I think given opportunity to provide more statements over a more prolonged period would have identified this and potentially allowed for more context with further explanation.

Terminology:
I felt there was a lot of talk throughout the application about the outcome. Account details were provided to cover loans that were to be paid off. There was talk about the final process and time frames were given as to the completion of the application. This really did raise a lot of false hope. Early on I was told that the application was failing in affordability - but then I was informed that because of the potential impact for us it was worth continuing with the application. The emotional impact this had over the months was significant.

What I’d say in relation to emails is review the email sent to customers. As opposed to sending an approved email, send a different one that identifies pre approval pending further checks.

I think overall, there are some parts of this that really disappoint me. I’ll never use the service again. The staff seemed supportive at times despite the actual outcome not being what we’d hoped for. Using the app wasn’t a great experience - a couple of messages also got ignored. I think in the end, despite some discussion, there was no hope of any commission - I am truly sorry about that. Absolutely gutted.

Ive been expected and activated my card I think on line im not shure how use it i wanted as spoke on line to use to get money out for my daughter wedding as a surprise it says wrong pin in the cash withdrawal im comfused how use this i still cant use the card mr Lowe

I find the card very youthful. For me. It helps us helps me For emergencies. But I don't think 200 pounds enough. I wouldn't like my card to be increased. If possible. Because I want to go on holiday. In July. I don't have quite enough money. Other than that. I think the card is great.

From the applying to being accepted and being issued with a live account was fantastic. No time wasting or dragging the process further. Very pleased with the way Ocean conducts itself.

Easy to apply, great app and website and good customer service