Bad Credit Loans

To get a free bad credit loan quote, complete our simple loan application form. We will search our panel of lenders and find the best loan plan available to meet your needs, that is 100% tailored to your individual circumstances and budget.

If you have bad credit it means that finding a loan may be a difficult task and many people often get turned down when applying for finance, at Ocean Finance we specialise in helping people with a bad credit history so if you need a bad credit loan contact Ocean Finance for a free no obligation quote.A bad credit homeowner loan is a secured loan that is specifically designed for borrowers with a bad credit ratings.  You may be affected by a bad credit rating if you have previously defaulted on a loan, CCJ`s, mortgage arrears or failed to meet credit card repayments.  Though bad credit loans typically carry less favorable interest rates, they can be very helpful in terms of improving your credit history if you make repayments on time.Ocean Finance will compare bad credit loans from the many different lenders on our panel to try and find a loan plan that suits your circumstances. Ocean Finance has helped over 250,000 homeowners to arrange a loan, with thousands of loan plans, even for people with a Bad Credit Rating. Ocean Finance specialise in helping people to eradicate their Bad Credit by offering highly competitive rates, regardless of your circumstances.

A UK homeowner loan from Ocean Finance could be used to consolidate all your existing credit cards, store cards and unsecured loans leaving you with just one convenient, manageable monthly repayment and cash to spare. It is important to note that extending the term of any finance may result in you repaying more over the term of the loan. Even if you have bad or adverse credit, county court judgments (ccj's) or mortgage arrears you could still qualify for a bad credit secured loan though Ocean Finance. A dedicated loan underwriter will examine your personal circumstances to find the loan plan most suitable for your requirements.Ocean Finance have loan plans to suit people with good, fair and bad credit ratings, with loan deals specifically designed to help people with a poor credit rating we are often able to help people find a loan even if you have been turned down elsewhere.




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Home Improvement Loans

Top ways you could add value to your home

New bathroom

A bathroom quickly looks outdated and renovating it is one of the quickest ways to update your home. It could cost thousands, however, to do a major refit, but it is possible to freshen up the look with a new bathroom suite for around £500.

New kitchen

Refitting a kitchen is second only to a loft conversion for adding value. This is the kind of project where it's not a good idea to cut corners - get advice from a reliable source and invest in good quality fittings. The kitchen is the heart of the home and is a feature that plays a vital role in the successful sale of a house.

Conservatory

A good conservatory can possibly reduce your heating bill, can add kerb appeal and could make a huge difference to your quality of life. If your property has the space for it and if it is constructed properly, a conservatory can extend your summer living well into the winter months. Get a range of quotes and ideas from various sources and ask for advice before settling on a design. You want to avoid the sense of an 'add-on' room that feels as if it's just been stuck on as an after thought. Think about adding central heating and double glazing and the new addition can assist in keeping the rest of your home warm too.

Convert the loft

Loft conversions, done professionally, can produce a great return on your investment. Unfortunately not all homes can cope with a loft conversion, the ceiling space has to be at least 2.4 metres high for example, but if you've got the space it can be a good way to add an extra bedroom and possibly an en-suite bathroom without losing ground space. It does entail major building work, so it's best to get expert help.

Open plan

It appears that the trend for open plan living will be long lasting. Open plan living arrangements create a sense of space and light. It's not good to get too carried away however, there are some things that are best tucked away behind a closed door - a noisy washing machine, for example. You'll need professional advice before engaging in a project like this, taking down walls is a major undertaking.

Add an extra bedroom

Adding an extra bedroom can increase the value of your home by more than 10%, according to a Nationwide report. You need to consider the dimensions and proportions of your home as well as thinking about your potential market. Adding an extra room may make your home more attractive to families but the size of the bedroom will make a difference - teenagers, for example, probably won't want to sleep in a box room while a young family may enjoy smaller rooms that are close to each other.

Central heating

Not a glamorous job but a popular way of adding value. Consider adding a new high-efficiency boiler - although they cost more than conventional boilers by about £100-£200, they could reduce heating bills and make your home more eco-friendly.

Parking space

People like to be able to park their car next to their house, so if you have the extra space on your premises, it's a good idea to add a parking space or even a garage to your home if you don't already have one. It depends on the size of your property, for example, a five bedroom house will probably need parking space for two cars, whereas a carport for one car would suit a smaller house.




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AUDI R8

The 2010 R8 is a 2-door, 2-passenger sports coupe, available in 4 trims, ranging from the 4.2 Coupe quattro to the 5.2 Coupe quattro Auto R tronic.

Upon introduction, the 4.2 Coupe quattro is equipped with a standard 4.2-liter, V8, 420-horsepower engine that achieves 12-mpg in the city and 19-mpg on the highway. A 6-speed manual transmission with overdrive is standard. The 5.2 Coupe quattro Auto R tronic is equipped with a standard 5.2-liter, V10, 525-horsepower engine that achieves 13-mpg in the city and 20-mpg on the highway. A 6-speed manual transmission is standard.
The 2010 R8 is a carryover from 2009.






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AUDI RS5

After what seems like an eternity, the launch of the 2010 Audi RS5 is almost upon us.

A nearly-finished coupe version of the hot Audi was recently spotted testing its stopping power in the Alps ahead of a possible Frankfurt Motor Show debut.

Audi has managed to keep everyone guessing about the  but the most-likely scenario is that it's powered by a modified version of the liter V-8 tuned to make around between 450 and 500 horsepower mated to either a six-speed manual or seven-speed S tronic twin-clutch auto. And of course, expect all four wheels to be putting the power down through Audi's quattro system.
 Visually, the menacing-looking flat-black prototype you see here should be very close to the finished article, though the rear fender flares could end up being more pronounced. Also differentiating the RS5 from the S5 is its honeycomb grille and single-outlet dual exhaust. The S5 has two smaller outlets on each of its exhaust pipes.
Although its not known for sure whether or not the RS5 will come to the U.S. at some point, we reported earlier this year that it is likely to be on the way here sometime after its European launch.

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Posh Plaice Fish Fingers

I first learnt how to bread fish at the Hotel St George in Harrogate. It was scampi then, but the same rules apply to breaded plaice. This is a good way to get the kids to eat fish because plaice is nice and soft, so they don’t have to chew and it’s not too fishy. You could serve them with chips and tell them it’s the best fish and chips you can get outside Yorkshire.

Serve:

4

Preparation time:

15 mins

Cooking time:

2 mins

Cost:

Difficulty:

Ingredients

• 2 large plaice, skinned and divided into 8 fillets
• 55g plain flour
• 100g breadcrumbs
• 1tbsp Knorr Granulated Bouillon
• A handful of chopped fresh parsley
• 3 eggs
• 2-3tbsp sunflower oil
• Fresh parsley and lemon wedges to garnish
• Some unsalted butter

Method

1. Clean the plaice fillets, making sure they’re free of blood. Place on a clean kitchen towel to dry.

2. Place the flour and breadcrumbs in separate bowls, and season each of them with the Knorr Fish Stock Granules. Add the parsley to each of them and mix together using your hands.

3. Take a third bowl and beat the 3 eggs with a fork.

4. Dip the fish into the flour and then into the egg wash, and finally dust them lightly in breadcrumbs. Now place them on a plate until you’re ready to cook.

5. Pour a little sunflower oil into a frying pan and heat. When it’s ready, add the fish in gently and shallow fry. Cook them evenly for about a minute and a half, turning constantly until golden brown. (I turn the gas off for the last 15 seconds.)

6. Once they’re done, place onto a plate lined with kitchen roll to soak up any excess oil. Garnish with parsley and a couple of lemon wedges.

N.B. Take care when cooking this dish. Never leave a hot frying pan unattended and be careful of becoming splattered with oil.

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Body Contouring Surgery

A common concern we hear from our patients about their bodies is not be able to reduce size (regardless of dieting and exercise), sagging skin and stubborn cellulite. Body contouring and shaping includes different techniques to help reshape and rejuvenate almost any area of the body.

In the past, plastic surgery has been the only answer to these issues. Now, we are able to use non-invasive technology to achieve a reduction in size of certain body areas, increased tone in lax or redundant skin and a diminished appearance of cellulite. 










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Laser Hair Removal

Excess or unwanted hair can be safely and effectively removed using a variety of lasers. Compared to other methods of hair removal such as waxing, plucking, cream depilatories and electrolysis, lasers provide much more efficient removal of hair with longer lasting results.

The application of laser technology to the removal of hair has been developed and studied extensively in our Research Department at the Laser & Skin Surgery Center of New York. In order to achieve the optimal results in all skin types, we have a wide variety of laser technology available including the long pulsed alexandrite laser (GentleLase), the super long pulsed diode laser (LightSheer), the long pulsed ruby laser (Epilaser) and the long pulsed Nd: YAG laser (Cool Glide).

How it Works 

Laser hair removal utilizes various wavelengths of light which are absorbed as heat energy in the pigmented regions of the hair follicles. The light energy produces heat damage in the hair follicle cells and the follicles stop producing long, dark hairs.

Laser hair removal is safe to use on all areas of the body. Most people require approximately 5 to 7 treatment sessions to produce long lasting hair removal in a given area. Treatment sessions are usually performed at 1 to 2 month intervals, depending on the area of skin being treated.

For successful treatment, the root of the hairs must be present under the skin during laser treatment. For this reason, we advise not to pluck, wax or use cream depilatories between treatments. Saving or clipping the hair between treatments is the best approach.

Following each laser treatment, there is typically no hair growth for several weeks, at which point fewer hairs will regrow which are usually lighter in color, thinner and softer. With each subsequent laser treatment, fewer and fewer hairs will regrow. 

Depending on the area being treated, there can be some discomfort during the procedure. For sensitive areas, such as the bikini line or the underarms, or for the treatment of large areas such as the full legs or back, patients can elect to have topical anesthetic cream applied before treatment. This cream is applied one hour before the procedure, and significantly minimizes treatment discomfort. Most patients treating smaller areas of skin do not require the anesthetic cream.

Following laser treatment, there may be some pinkness and swelling of the laser treated area which may last for minutes to hours, and patients can go about their normal activities immediately following treatment.

Who is a Candidate for this Procedure?

With our cutting edge, up-to-date array of laser technology, we can safely treat any skin type including skin of color. All hair colors with the exception of white and blonde hairs respond well to laser treatment. Depending on the hair and skin color combination, the physician will choose the optimal laser system for each individual patient.

Laser Hair Removal Improved Razor Bumps and Ingrown Hairs

A study performed at our Center, which was published in the Archives of Dermatology, demonstrated that laser hair removal is the best approach for razor bumps, ingrown hairs or what is medically termed "pseudofolliculitis". This condition is caused by cut hairs, following shaving or waxing, which curl and grow into the skin causing inflammation. When this condition is present for long periods of time, it can result in scarring and skin discoloration.

Laser hair removal is the best treatment available to date for improving this condition. By destroying the ingrown hair under the skin, the pimples and bumps disappear. The skin discoloration and skin texture can dramatically improve as well from these treatments. laser treatment of ingrown hair produces long lasting results because the hair follicles that produce these hairs are damaged and destroyed, preventing the reappearance of this condition. A variety of laser systems can be used for this indication, and all skin types and colors can be safely treated for razor bumps and ingrown hairs.






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