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
4.6
Excellent
3K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
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Easy application card arrived quickly…
Easy application card arrived quickly excellent credit limit
25 April 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
Horrible to deal with said they sent me…
Horrible to deal with said they sent me a refund it didnt arrive said they blocked a merchant from taking money from card didnt happen merchant took money 2 weeks later,time to close account horrible to deal with.
12 May 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
Easy to apply and a quick decision good…
Easy to apply and a quick decision good experience credit available immediately,can't fault it
24 April 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
Had problems with my transactions and…
Had problems with my transactions and spoke to someone on chat and they were very helpful and explained everything. Waiting time was short. Very satisfied.
12 May 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
FAST AND EFFICIENT
12 May 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
Great company and easy to understand…
Great company and easy to understand online
12 May 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
Great App,easy to use and setup
Great App,easy to use and setup. Great customer support. What more can I say. Excellent service.
9 February 2026
Unprompted review
Reply from Ocean Finance
Thank you for your kind words.
The Ocean Customer Contact Team
Spot on!
All straightforward and easy with nothing that can't be sorted almost immediately!
12 May 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
Everything is easy to find on the app…
Everything is easy to find on the app and if you need help its very easy and fast to talk to someone!
12 May 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
Application was quick and painless
Application was quick and painless, and replies were swift and provided all the information needed.
12 May 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'm really satisfied with Ocean card…
I'm really satisfied with Ocean card and full service.
12 May 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review. We really appreciate the detailed positive feedback. We're so glad that you chose Ocean, and we wish you all the best for the future.
The Ocean Customer Contact Team
Terrible advert screaming people would…
Terrible advert screaming people would not want to be associated with a company that puts out an advert like this..dreadful..who on earth thought this was a good advert for a finance company !!!11
11 May 2026
Unprompted review
Reply from Ocean Finance
Thank you for your feedback. We appreciate that our adverts might not be to everyone's liking.
Regardless, we appreciate your words and I'll pass them over to our marketing team for their awareness.
The Ocean Customer Contact Team
Doing well so far
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 thing I can say bad is it's not enough credit on it but I suppose it will grow well I hope it will.
7 May 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
Quick application and decision and then…
Quick application and decision and then I had my card within 5 days very pleased
30 April 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
Easy to verify card on my Capital O e…
Easy to verify card on my Capital O e App… so very pleased with this card. Thank you.
1 May 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
Really easy process
Really easy process to apply with a very quick response. Thank you
4 May 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
This is great to hear, thank you so much!
The Ocean Customer Contact Team
Quick Payouts & Quick Pay In Fantastic…
Quick Payouts & Quick Pay In Fantastic Clear Overviews Regular Statements
1 May 2026
Unprompted review
Reply from Ocean Finance
Thanks for the 5-star rating. If you have any feedback or suggestions, please write to us at contactus@ocean.co.uk. We would love to hear from you!
The Ocean Customer Contact Team
Easy to apply for knew the answer to…
Easy to apply for knew the answer to application in minutes the app is easy to navigate and got a manageable credit limit to start off with would definitely recommend
13 April 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
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