While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 759 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the ease of the application process and the quick approval for their cards. Many users praise the excellent service received, noting the helpfulness and professionalism of the customer service team. The mobile application is consistently described as very easy to use, secure, and effective for managing accounts and tracking spending. However, some people mentioned issues with payments, such as transactions failing or being charged multiple times, leading to distress. A few other people also felt that the customer service handling of certain situations, like card blocking or PIN changes, was disappointing and caused inconvenience.

What people talk about most

User experience

Reviewers mention positive feedback about user experience, highlighting the ease of application, setup, and... See more

Service

Consumers find service to be positive, with many expressing satisfaction and calling it excellent, great, and... See more

Application

People report positive experiences with the app, finding it easy to use, set up, and navigate. Customers... See more

Payment

Customers had ambiguous experiences with payment, with some reporting quick applications, decisions, and card... See more

Customer service

Clients share positive opinions on customer service, with many reviewers highlighting the helpfulness,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

* Very good services throughout my experience so far. * Quick fast acting. * Good swift respond when needed. * Highly professional. * Staff is good and Cooperative when required. Ocean Finan... See more

Company replied

Rated 5 out of 5 stars

Very easy to be authorised & the app is very helpful. The app is very easy to use, seems secure & displays all relevant information in 3 main screens but you can find the menu easily for more functio... See more

Company replied

Rated 5 out of 5 stars

Very easy application, everything spelt out in advance of what is due and when. Starting with right amount and hopefully improve credit rating by keeping payments in schedule.

Company replied


Company details

  1. Non-Bank Financial Service
  2. Finance Broker
  3. Financial Institution
  4. Mortgage Broker

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.


Contact info

4.5

Excellent

TrustScore 4.5 out of 5

3K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 95% of negative reviews

Typically replies within 1 week

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 4 out of 5 stars

Very easy to set up and interactive to…

Very easy to set up and interactive to use

March 3, 2026
Unprompted review
Ocean Finance logo

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

Rated 5 out of 5 stars

Good communication

Good communication

February 26, 2026
Unprompted review
Ocean Finance logo

Reply from Ocean Finance

This is great to hear, thank you so much!

The Ocean Customer Contact Team

Rated 5 out of 5 stars

Excellent service

February 16, 2026
Unprompted review
Ocean Finance logo

Reply from Ocean Finance

Thank you for the positive review, we really appreciate it!

The Ocean Customer Contact Team

Rated 2 out of 5 stars

I have been driving for 60 years never …

I have been driving for 60 years never maid a clame with all insurance companies I tick the 20 years from 1966 to to 1986 had a companies car since then cars with my wife 2nd driver since 2013 just me yet insurance companies have not kept proper records so will be going to onbersman at FCA

February 5, 2026
Unprompted review
Ocean Finance logo

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 look into this further for you, 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 discuss this with you.

Again, we apologise for your experience.

Sincerely,

The Ocean Customer Contact Team

Rated 5 out of 5 stars

Easy to deal with

Easy to deal with, information fully provided and explained. Straightforward and quick application.

February 25, 2026
Unprompted review
Ocean Finance logo

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

Rated 5 out of 5 stars

Easy to pay back with App

Easy to pay back with App

February 24, 2026
Unprompted review
Ocean Finance logo

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

Rated 5 out of 5 stars

Very easy and straightforward process

Very easy and straightforward process

February 10, 2026
Unprompted review
Ocean Finance logo

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

Rated 5 out of 5 stars

So far so good.

So far so good., easy to use credit card.

February 24, 2026
Unprompted review
Ocean Finance logo

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

Rated 5 out of 5 stars

10/10 quick and easy to do no long…

10/10 quick and easy to do no long application and quick answer.

February 7, 2026
Unprompted review
Ocean Finance logo

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

Rated 5 out of 5 stars

Top card

Quick and decisive no messing around

February 18, 2026
Unprompted review
Ocean Finance logo

Reply from Ocean Finance

Thank you for the positive review, we really appreciate it!

The Ocean Customer Contact Team

Rated 5 out of 5 stars

Easy application approved £750 limit…

Easy application approved £750 limit easy to work the app.

February 3, 2026
Unprompted review
Ocean Finance logo

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

Rated 2 out of 5 stars

I followed instructions on registering…

I followed instructions on registering the card but the sight didn't recognise information!

February 12, 2026
Unprompted review
Ocean Finance logo

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 look into this further for you. Would you be able to send us an email at contactus@ocean.co.uk, so that we can locate your application.

Again, we apologise for your experience.

Sincerely,

The Ocean Customer Contact Team

Rated 5 out of 5 stars

The speed of delivery was quite amazing…

The speed of delivery was quite amazing and settling up to use was so simple

January 12, 2026
Unprompted review
Ocean Finance logo

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

Rated 5 out of 5 stars

Easy process

Easy process

February 4, 2026
Unprompted review
Ocean Finance logo

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

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look